1. Out-of-pocket expenses for hospitalization other than medical insurance. After deducting the deductible of 20,000 yuan, healthy people can be reimbursed 70%, and people with specific past diseases can be reimbursed 40%, with a maximum reimbursement of1500,000;
2. The cost of drugs and consumables hospitalized outside medical insurance is guaranteed. After deducting the deductible of 20,000 yuan, healthy people can be reimbursed 60%, and people with specific past diseases can be reimbursed 40%, with a maximum reimbursement of1100,000;
3. Specific high-priced drug protection, after deducting the deductible of 20,000 yuan, healthy people can be reimbursed 70%, and the proportion of payment for three chronic diseases, malignant tumor, leukemia and systemic lupus erythematosus, recognized and filed by the medical insurance department before the insurance opening date is 40%, with a maximum reimbursement of 500,000;
4. Special efficacy drug guarantee, 70% can be reimbursed after deducting 1 10,000 deductible, and the maximum reimbursement can be 300,000.
Types of health insurance
Health insurance mainly includes medical insurance, sickness insurance, disability income loss insurance, nursing insurance and medical accident insurance.
1. Medical insurance refers to the insurance that provides protection for the medical treatment and rehabilitation of the insured according to the insurance contract.
2. Sickness insurance refers to the insurance that provides protection for the insured in the event of diseases agreed in the insurance contract.
3. Disability income loss insurance refers to the insurance that pays insurance benefits on the condition that the insured loses his ability to work due to illness or accidental injury as stipulated in the insurance contract, and provides protection for the insured's income reduction or interruption in a certain period of time.
4. Nursing insurance refers to the insurance that provides protection for the nursing needs of the insured due to the loss of daily living ability according to the insurance contract.
5. Medical accident insurance refers to the insurance that provides protection for the insured in the event of medical damage that cannot be attributed to medical institutions and medical personnel according to the insurance contract.
The meaning of health insurance
Health insurance, referred to as health insurance, mainly includes medical insurance, sickness insurance, disability income loss insurance, nursing insurance and medical accident insurance. Refers to the life insurance in which the insurer pays insurance money to the insured when he is ill. The payment scope of health insurance usually includes medical expenses, income loss, funeral expenses and living expenses of survivors. This kind of insurance is mostly co-organized with injury insurance and life insurance. In order to prevent moral hazard, the insurer usually stipulates a trial insurance period when handling health insurance. After this period, the insurer will be liable for the losses caused by the insured's illness.