At present, Bao Hui can no longer be insured, and the guarantee will expire soon. If you want to continue to enjoy Huimin medical insurance, you can apply for Chongqing Express Insurance.
202165438+On February 6th, Chongqing Chongqing Express Insurance was officially launched. As a customized inclusive commercial supplementary medical insurance, "Chongqing Express Insurance" is supervised and guided by the Municipal Medical Insurance Bureau and the Municipal Insurance Regulatory Bureau.
According to the characteristics of Chongqing's urban-rural dual population, we organized in-depth investigation and demonstration, unified the premium standard, treatment standard and coverage, and determined two protection schemes, namely, 69 yuan Pratt & Whitney payment scheme and 169 yuan upgrade payment scheme, with the highest reimbursement rate reaching 80%.
"Chongqing Chongqing Express Insurance" takes "four unifications, three guarantees, two connectivity and one opening" as the core, and strives to solve the urgent needs of the masses and effectively benefit the people and the people.
"One opening" is the most beneficial to the people: urban workers' medical insurance personal account payment and family treatment are opened, and employees' medical insurance participants can use the balance of their personal accounts to buy insurance for themselves, their parents, spouses and children, giving full play to the function of personal accounts to coordinate the interests and ensure health.
The "two connections" are the most convenient: in terms of participation, the basic medical insurance participants are all connected, and there are no restrictions on participation such as age, occupation and health status. Different groups of people are insured according to the unified rate standard, which solves the problem of small coverage of ordinary commercial health insurance, especially for the sick and the elderly.
In terms of claims, basic medical insurance is connected to achieve one-stop settlement. When the patient is discharged from the hospital, the expenses that should be borne by the basic medical insurance and "Chongqing Happiness Insurance" will be settled simultaneously to solve the problem of "paying for medical treatment and running errands for claims".
"Triple protection" is the most beneficial to the people: the protection scheme covers the medical expenses in the medical insurance catalogue, including self-funded drugs and self-funded medical expenses outside the medical insurance catalogue. The upgrade also includes 19 common malignant tumors, 3 1 new special drugs and1/rare diseases.
Out-of-pocket expenses in the medical insurance catalogue are only free of compensation 1.5 million yuan, out-of-pocket expenses are only free of compensation of 5,000 yuan, and out-of-hospital special drug protection in the upgraded mode is free of compensation of 0, which is the lowest among similar cities in China and benefits a wider range of people to the greatest extent.
"Four unifications" guarantee quality and effect: unify insurance standards, insurance rates, insurance schemes and operating platforms, coordinate insurance windows, premium management and payment settlement, provide standardized handling services, improve the ability of guarantee services and risk tolerance, and maximize the use of premiums for medical treatment.