Introduction of Supplementary Medical Insurance of China Life Group
China Life Group Supplementary Medical Insurance (fund type) is a new group health insurance product launched by China Life Insurance Company, which has the nature of "entrusted management funds". We only charge a certain percentage of management fee, and the balance of the account will be returned to the insured unit at the end of the insurance period. This product is flexible in operation, which can provide security according to the specific groups and special needs of enterprises, and can also cooperate with the supplementary medical insurance clauses of other groups to form a multi-level and serialized security scheme. Especially considering that the Ministry of Finance stipulates that enterprises should purchase supplementary medical insurance for their employees, and the part within 4% of the total wages can be charged from the cost, fund insurance has unique advantages.
1, comprehensive medical security
Compensation for self-care hospitalization and outpatient medical expenses of insured persons can be flexibly set according to the needs of enterprises, and is not limited by the coverage of social basic medical insurance.
2. Professional customer management
We implement comprehensive account management for insured units and employees, and set up enterprise accounts and individual accounts for employees. Enterprises can flexibly adjust the amount of employees' personal accounts.
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3. The premium balance can be refunded to the customer;
The annual premium balance is settled according to the bank's current simple interest to ensure the reasonable appreciation of unused funds.
4. Caring for employees' families and passing on the corporate culture.
It can provide medical insurance for employees' children under the age of 18, which reflects the concern of enterprises for employees' families.
The insurance procedure is simple.
The insurance period is 3 years, which can reduce the annual renewal procedures of short-term health insurance.
6. Insurance coverage
All employees of organs, organizations, enterprises and institutions can be the insured after participating in the basic medical insurance for local urban workers, and their units can be the insured to China Life Insurance Company (hereinafter referred to as the Company). At the time of insurance, more than 75% of the employees of the insured must be insured and the number of insured persons is not less than 8.
Children of the insured who have not taken part in work between two months of birth and 18 years of age can be used as mortgaged insured with the consent of the company, and the insured will handle this insurance uniformly with the company. The insured collateral shall be insured at the same time as the insured, and the insured collateral shall not be added separately within the validity period of this contract (except for newborns born for two months). What kinds of critical illness insurance for children are available? Which are cost-effective? Which is the most worth buying? Take a look at the latest list! National 10 ranking of popular children's critical illness insurance
Unless otherwise stipulated in this contract, the insured mentioned in this contract does not include the incidental insured.
7. Insurance period
The insurance period of this contract is three years, from the date when the Company agrees to underwrite, collect the insurance premium and issue the insurance policy to the expiration date.
8. Accounts
The Company establishes individual supplementary medical insurance account for each insured (hereinafter referred to as individual account). If requested by the applicant, the company can also establish a public account for the applicant.
9. Insurance premium
During the validity period of this contract, the insured may pay the insurance premium to the Company regularly or irregularly.
10 Change of Insured
If it is necessary to increase or decrease the insured due to personnel changes, the applicant shall notify the Company in writing.
China Life Insurance Group Supplementary Medical Insurance China Life Insurance China Offshore Oil Corporation signed an agreement on supplementary medical insurance for employees and enterprise groups.
On May 18, 2008, China Life Insurance Co., Ltd. and China Offshore Oil Corporation signed the Supplementary Medical Insurance Agreement for Employees of Enterprise Groups in Beijing. Up to now, 32,500 employees of China Offshore Oil Corporation in Bohai and Zhanjiang bases and in Beijing, Shanghai, Guangzhou, Shenzhen and Hainan have multi-level and high-security commercial supplementary medical insurance provided by China Life Insurance, and the first premium income is about 28 million yuan.
It is reported that the plan provides CNOOC employees with supplementary medical insurance and maternity protection closely linked with local social basic medical insurance in various regions, and introduces international advanced fund management mode to establish enterprise supplementary medical insurance fund accounts, which are specially used to protect employees' major diseases, high medical expenses and special medical needs. In particular, the plan has a very high degree of protection. On the basis of social security reimbursement, the highest proportion of outpatient and inpatient payment reaches 90%-95%, and the proportion of payment in the super-large security responsibility is even as high as 100%. For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: the national social security medical insurance application reimbursement process in 2020!
CNOOC is one of the three major national oil companies in China, and has been taking the form of "self-insurance" for a long time. This time, choosing a commercial insurance company to operate supplementary medical insurance for employees puts forward extremely strict requirements on the strength and service level of the underwriting company. Since July, 2003, CNOOC has invited commercial insurance companies to bid, and conducted very detailed investigation, consultation, negotiation and approval for half a year. In the end, China Life Insurance Co., Ltd. stood out with its strong strength, rich experience accumulated over the years and perfect personalized service, and won the bid on June 5438+February 3/2003.
Bao Ge reminds: China Life Group Supplementary Medical Insurance can implement comprehensive account management for insured units and employees, set up enterprise public accounts and employee personal accounts, and enterprises can flexibly adjust the amount of employee personal accounts. Can meet the rigid needs of enterprises.