京东好药保3.0版本月保费18.8元 报销药费最高60%

You may focus on the core benefits and practical rules of JD’s newly launched Hao Yao Bao 3.0 series, and select coverage that fits your personal medication needs.

1. The product comes in two differentiated tiers: the newly launched inclusive version is priced at only RMB 18.8 per month, targeting users with low-frequency medication needs and covering up to 60% of drug purchase costs; the original plan has been upgraded to the flagship version, designed for users with high-frequency medication needs, with an annual drug reimbursement cap of RMB 7,200.

2. The claims process is highly streamlined. After purchasing drugs on JD’s platform, users only need to click "Apply for Reimbursement" on the corresponding order page. The system will automatically calculate the eligible reimbursement amount, submit required documents, and complete the review, with payouts directly deposited to the user’s JD account. The entire process is handled online, delivering a seamless "claim-as-you-buy" experience.

3. The plan currently covers more than 30,000 JD self-operated drugs. It will gradually expand eligibility to people with chronic conditions and pre-existing illnesses, and add full-cycle health services including risk screening, chronic disease management, and medication guidance.

Brands can draw insights on consumer trends, user demand, and ecosystem collaboration opportunities in the integrated drug-and-insurance segment from JD’s launch of Hao Yao Bao 3.0, to refine their business strategies.

1. On the consumer trend front, drug purchasers, especially long-term medication users, have strong demand for lower out-of-pocket costs and simplified claims processes. Traditional health insurance products have long suffered from cumbersome claims procedures, complex terms, and inaccurate pricing, leading to high user acceptance of inclusive drug-insurance bundled products. Since its launch one year ago, Hao Yao Bao has covered more than 360,000 users, reimbursed over RMB 50 million in drug costs, and expanded its drug coverage from 18,000 to over 30,000 items, a 67% year-on-year increase, validating the viability of the model.

2. On the ecosystem collaboration front, the project currently integrates resources from JD Insurance, JD Health, and Ping An Property & Casualty Insurance. It will deepen cooperation across insurance product innovation, pharmaceutical supply chain coordination, and health service expansion, with onboarded partner pharmaceutical companies covering major disease areas including oncology, cardiovascular and cerebrovascular diseases, and diabetes.

3. For product planning reference, the project plans to extend coverage to people with chronic conditions and pre-existing illnesses, expand upstream into prevention and risk screening services, and add downstream services such as chronic disease management and medication guidance. Brands in relevant categories can align their product roadmaps with this direction.

Sellers can focus on the market opportunities and innovative business models behind JD’s Hao Yao Bao 3.0 in the integrated drug-and-insurance space, to identify new growth drivers.

1. On the demand side, medication users, especially chronic disease patients and long-term users, have strong demand for cost sharing and simplified claims processes. In its first year of operation, Hao Yao Bao has served more than 360,000 users, processed over RMB 50 million in reimbursements, and expanded its drug coverage by 67% year-on-year, fully demonstrating the appeal of the integrated drug-insurance model to consumers.

2. The operational model offers clear reference value: the industry-first "claim-as-you-buy" model leverages the platform’s supply chain and technological capabilities to enable one-click automatic reimbursement after purchase, with payouts directly sent to user accounts. This significantly lowers users’ decision-making barriers for drug purchases and can effectively improve product conversion rates.

3. For collaboration opportunities, JD Insurance and Ping An P&C are deepening joint development of the integrated drug-insurance ecosystem, covering drug supply, insurance innovation, and health services. Drug and health service sellers can monitor future cooperation access opportunities on the platform, and roll out cost-effective inclusive products for low-frequency users as well as high-reimbursement long-term medication products for high-frequency users to match segmented demand.

Manufacturers can identify clear product demand signals, business cooperation opportunities, and insights for digital e-commerce channel positioning from the launch of JD Hao Yao Bao 3.0.

1. On the product demand front, the number of drugs covered by Hao Yao Bao has grown from 18,000 to over 30,000, with partner pharmaceutical companies covering major disease areas including oncology, cardiovascular and cerebrovascular diseases, and diabetes. The project will further expand coverage to people with chronic conditions and pre-existing illnesses, and add full-cycle services such as risk screening, chronic disease management, and medication guidance, creating clear supply chain onboarding demand for related drugs, health testing products, and chronic disease management solutions.

2. On the business cooperation front, the project relies on JD Health’s nationwide pharmaceutical supply chain network, which enables next-day drug delivery in core cities. Relevant manufacturers can connect to this supply chain system and join the integrated drug-insurance ecosystem to secure stable order sources.

3. For digital channel strategy, manufacturers can align product portfolios with user segments by medication frequency: offering cost-effective general products for low-frequency users, and long-term medication products eligible for high reimbursement limits for high-frequency chronic disease users, to match the coverage scenarios of different insurance tiers and improve product sell-through efficiency.

Service providers can track industry trends from the launch of Hao Yao Bao 3.0, identify common client pain points in the sector, and develop matched solutions to capture business opportunities.

1. In terms of industry trends, integrated drug-and-insurance offerings are moving from early exploration to ecosystem-wide co-development. Covered populations will expand from general drug purchasers to people with chronic conditions and pre-existing illnesses, while the service chain will extend beyond simple drug purchase reimbursement upstream to prevention and risk screening, and downstream to full-cycle health services such as chronic disease management and medication guidance, leaving significant service gaps to fill.

2. In terms of common industry pain points, traditional health insurance has long been plagued by cumbersome claims processes, obscure policy terms, and inaccurate pricing, with disconnected user experiences between drug purchase scenarios and insurance claims procedures.

3. For implementation reference, Hao Yao Bao leverages technology to connect the platform’s drug purchase data with insurance claims systems, enabling a frictionless "claim-as-you-buy" experience with automatic reimbursement calculation, automatic document submission, automatic review, and direct payout to user accounts. Service providers can offer technical and operational support for ecosystem partners across areas including data connectivity, intelligent review, and full-cycle health service operation.

Platform operators can draw references for innovative platform operation and service system optimization from JD’s launch of Hao Yao Bao 3.0 and its efforts to build an integrated drug-and-insurance ecosystem.

1. For user demand identification, consumers have strong demand for lower medication costs and simplified claims processes in drug purchase scenarios, while the longstanding pain points of traditional health insurance—cumbersome claims, complex terms, and inaccurate pricing—remain unresolved. Platforms can partner with insurance institutions and supply chain participants to build scenario-matched service products.

2. For innovative practice reference, JD pioneered the "claim-as-you-buy" model, leveraging its in-house pharmaceutical supply chain and technological capabilities to deliver a frictionless experience with one-click claims initiation after purchase, automatic system calculation and review, and direct payouts to user accounts. It also offers tiered products for users with different medication frequencies: an inclusive version priced at RMB 18.8 per month for low-frequency users, and a flagship version with an annual reimbursement cap of RMB 7,200 for high-frequency users. In its first year, the product has covered 360,000 users, reimbursed over RMB 50 million in drug costs, and expanded drug coverage by 67% year-on-year.

3. For ecosystem operation, platforms can bring together insurers, pharmaceutical companies, and health service providers to co-build an integrated ecosystem, gradually expanding coverage to people with chronic conditions and pre-existing illnesses, and improving full-cycle health services to boost user retention.

Researchers can identify new trends, innovative business models, and outstanding industry pain points in the integrated pharmaceutical and insurance space from JD’s launch of Hao Yao Bao 3.0 and its development of the drug-insurance ecosystem, to build research materials.

1. In terms of new industry developments, the integrated drug-and-insurance model has completed initial user validation. As of August 31, 2026, one year after its launch, Hao Yao Bao has covered more than 360,000 users, processed over RMB 50 million in drug reimbursements, and expanded the number of covered drugs from 18,000 to over 30,000, representing a 67% year-on-year increase. Going forward, its coverage will extend to people with chronic conditions and pre-existing illnesses, and its service chain will expand to full-cycle health services including prevention, screening, and chronic disease management.

2. In terms of innovative business models, the product is jointly built by an internet insurance platform, an internet health channel, and an insurance company. Leveraging the platform’s supply chain network and digital technology capabilities, it pioneered the frictionless "claim-as-you-buy" experience to address the procedural pain points of traditional health insurance. It also adopts tiered pricing for users with different medication frequencies to deliver targeted coverage.

3. In terms of outstanding industry issues, traditional health insurance has long suffered from cumbersome claims processes, complex policy terms, and inaccurate pricing. How commercial health insurance can better serve as a supplementary protection mechanism for people’s livelihoods, and reduce the burden of long-term and chronic disease medication for the public, remains a direction worthy of continued tracking and research.