1. Guarantee content
202 1 Beijing Jinghuibao added medical expenses other than medical insurance, which is a good supplement to the previous products. At present, the coverage of the two products covers both inside and outside medical insurance, with little difference.
The difference is that Beijing Pratt & Whitney Health Insurance includes two parts: self-payment one and self-payment two, while Beijing Jinghui Insurance is limited to self-payment one.
In terms of special drug liability, Beijing Pratt & Whitney Health Insurance has 100 kinds of special drugs, while Beijing Jinghui Insurance has only 60 kinds. However, the inclusion of 1.2 million needles of CAR-T cell therapy in Beijing Jinghuibao is a special highlight.
In addition, Beijing Jinghuibao brought proton heavy ion therapy technology into the scope of protection, and quickly distanced itself from Beijing Pratt & Whitney Health Insurance in terms of anti-cancer protection ability.
2. Deductible
Under the same conditions, the lower the deductible, the better, and the 0 deductible is the best.
Compared with Beijing Pratt & Whitney Health Insurance, Beijing Jinghuibao's deductible is generally lower than Beijing Pratt & Whitney Health Insurance, and its benefit to the people is more prominent.
Taking the responsibility in medical insurance as an example, the deductible of Beijing Jinghui Insurance is 20,000 yuan, while Beijing Pratt & Whitney Health Insurance refers to the threshold of serious illness medical insurance in Beijing in 2020, with 39,500 yuan for urban workers and 30,400 yuan for urban and rural residents.
Looking at the responsibility of special drugs, the deductible of Beijing Jinghui Insurance is 0, and the minimum of Beijing Pratt & Whitney Health Insurance is 20,000. The former is obviously more friendly to cancer patients.
3. Payment ratio
In terms of compensation ratio, Beijing Jinghuibao and Beijing Pratt & Whitney Health Insurance have their own strengths.
Beijing Jinghuibao is superior in medical insurance liability and special drug liability, and the compensation ratio is 100% and 90% respectively. Beijing Pratt & Whitney health insurance is 80% and 60%, and patients with previous diseases have to get a 50% discount on this basis.
Responsibilities other than medical insurance, Beijing Jinghui Insurance 50%, Beijing Pratt & Whitney Health Insurance 70%. The latter is slightly better.
4. Health services
The health service provided by Beijing Pratt & Whitney Health Insurance is only 1, including accompanying consultation service or home care.
Beijing Jinghui's health care services are rich, covering 24 kinds in seven categories, including health promotion, disease prevention, health examination, health consultation, medical service, chronic disease management and rehabilitation nursing, and the overall protection is more comprehensive.
5. Premium
The price of Beijing Pratt & Whitney Health Insurance is 195 yuan, which is one of the highest among Huimin insurances in China. 79 yuan, Beijing Jinghui insurance annual premium, more beneficial to the people, suitable for all ages. Especially after the heavy upgrade of 202 1, it is more cost-effective without increasing the price.
From now on, Beijing medical insurance participants can pay attention to the official account of Beijing Jinghuibao Weixin, or search for Beijing Jinghuibao online insurance. The insurance period ends on 20211.30, and the guarantee will take effect on 202 1 1.02 1 for one year.
Insurance is not only a guarantee, but also a responsibility. Through comparison, it is found that there is obvious difference between Beijing Jinghuibao and Beijing Puhui Health, and most people have a higher willingness to choose Beijing Jinghuibao. Although many policyholders are prone to hesitation when applying for insurance, most of them feel that they may not enjoy the protection service. You know, everyone has no ability to predict the future and diseases. The only thing they can do is to be strong enough to strengthen their ability to resist risks. Beijing Jinghuibao has just played such a defensive role.