Expenses other than medical insurance can be reimbursed. The scope of medical insurance reimbursement purchased by each of us includes three categories: basic medical insurance drug list, basic medical insurance diagnosis and treatment items and basic medical insurance medical service facilities.
If the expenses exceed the scope of the medical insurance catalogue, medical insurance will not be reimbursed, while Jiaxing's worry-free serious illness reimbursement is outside the medical insurance catalogue.
For example, Lao Wang unfortunately suffers from coronary heart disease and needs stent intervention. Stents are made in China and imported. Domestic stents are generally reimbursed 50% (depending on the region and the type of medical insurance), while imported stents are not reimbursed at all. Lao Wang wants to use a better imported bracket. If Jiaxing is seriously ill, Old Wang Can will reimburse 60% with imported stents.
1, low insurance threshold.
(1) There is no age limit: that is, whether you are 0 years old or 100 years old, you can be seriously ill in Jiaxing. However, most of the million-dollar medical insurance has an age limit, and it is difficult for the elderly to apply for million-dollar medical insurance.
(2) No household registration restrictions: As long as they are medical insurance participants in Jiaxing, they can vote in Jiaxing for serious illness, and even migrant workers can vote as long as they are insured in Jiaxing.
(3) There is no restriction on health status: most commercial medical insurance has a threshold of health notification, that is, your physical condition needs to meet the requirements of the insurer when you apply. This is also the reason why most people with poor health are rejected by commercial medical insurance. Jiaxing's serious illness does not limit whether it has a past medical history or not, and how healthy it is, it can be insured.
Generally speaking, Jiaxing's carefree cost performance is still very high (1). It is very difficult for the elderly-the elderly buy millions of medical insurance, and Jiaxing's worry-free insurance for serious illness is not limited by age, so the elderly can consider Jiaxing's worry-free cost performance. 100 yuan a year is still very cost-effective.
(2) People in poor health-people who buy millions of medical insurance usually have the threshold of health information. If your health can't pass the threshold of health notification, friends can consider Jiaxing's serious illness, no health requirements and no previous disease requirements.
If these two groups of people have abnormal health, they can reduce the economic pressure through Jiaxing's worry-free reimbursement for serious illness. However, relatively healthy young people still suggest choosing some million medical insurance with more comprehensive protection.