1, the proportion of reimbursement outside medical insurance is different from that of the same kind.
The proportion of self-paid medical insurance and reimbursement for specific drugs outside the hospital is 70%, which is maintained at 80% compared with similar products.
2. There is a deductible of 30,000 yuan.
The deductible is 1.5 million for hospitalization expenses in the medical insurance catalogue and 1.5 million for expenses outside medical insurance, totaling 30,000 yuan. Some have a separate deductible of 8,000 yuan, and some have a deductible of 20,000 yuan inside and outside the medical insurance catalogue.
First, the main advantages:
1. Internal and external medical expenses of medical insurance:
The medical insurance in Zhao Yan, Hebei Province covers the reimbursement of medical expenses inside and outside the medical insurance, as well as specific drugs and Fosun Kate therapy. Among them, the medical expenses in medical insurance are 6.5438+0 million, and the expenses outside medical insurance are also 6.5438+0 million, which is fully guaranteed;
2. The insurance threshold is loose:
Like other Huimin insurance, it is not limited by age, occupation and health status. Anyone who participates in Hebei medical insurance can participate in the insurance, and the threshold for participation is relaxed. Although five types of past diseases are listed, many inclusive medical insurances stipulate that past diseases will not be compensated. After deducting the corresponding deductible, this item can also be reimbursed by 35% (medical expenses within medical insurance+medical expenses outside medical insurance+specific drugs);
3. The threshold of claims for fixed drugs and fosun Kate therapy is low:
In the content of this product guarantee, both specific drugs and fosun Kate therapy are zero deductibles, far below the threshold of other Huimin insurance claims.
2. What is Zhao Yan Health Insurance?
Hebei Zhao Yan Health Insurance is an inclusive commercial supplementary medical insurance, which is jointly underwritten by China Life Insurance, Taikang Pension Insurance, Pacific Property Insurance, Taiping Property Insurance, China PICC Health Insurance, Ping An Health Insurance, Zhao Yan Property Insurance and Beijing Life Insurance. Anyone who has participated in the basic medical insurance in Hebei Province (including medical insurance for urban workers, medical insurance for urban and rural residents and the new rural cooperative medical system) and is in the insured state can participate in the insurance. If you meet the insurance requirements and have the guarantee demand, you can learn more about the guarantee content of Zhao Yan Health Insurance.
3. "Zhao Yan Health Insurance" is underwritten by China Life Insurance and Taikang Pension Owners, and jointly underwritten by insurance companies such as Pacific Property Insurance, Taiping Property Insurance, PICC Health Insurance, Ping An Health Insurance, Zhao Yan Property Insurance, Jingbao Life Insurance and Zhonghui Mutual. Sinopharm Holdings provides special medicine services, Medical Plus One provides health services, and Alipay serves as an insurance cooperation platform. All participants in the basic medical insurance in Hebei Province can participate in the insurance online, and can also participate in the insurance for their parents, spouses and children.