What does He Zhong Zhongkang Medical Insurance include? how much is it? How to compensate?

According to experts' statistics, if a serious illness only needs 6.5438+10,000 yuan in cash, 85% of the families in the country can't take it out, 654.38+ 04% will affect other financial plans, and only 654.38+0% can take it out. In fact, once a serious illness occurs, it involves far more than the cost of treatment, but also the cost of rehabilitation care and peace of mind, as well as the loss of income after losing the ability to work, and of course, the huge economic loss and mental loss caused to the family. At present, the medical expenses for serious illness are far more than 654.38 million yuan, and poverty caused by illness is a real and heavy phenomenon in China.

Through a lot of research and demand analysis, United Life launched a million medical insurance products on August 18, making it "affordable and useful" for the people. When the disease comes, don't worry about high medical expenses, just treat it with peace of mind.

Salary situation:

Mr. Zhang was diagnosed with lung cancer, which belongs to the scope of malignant tumor medical insurance, so the deductible is 1 10,000 yuan; Mr. Zhang has reimbursed 300,000 yuan through social security, so the remaining 500,000 yuan of He Zhong Zhongkang Medical Insurance will be reimbursed 100%, which means that Mr. Zhang will receive 500,000 yuan of medical compensation this time.

Scenario 2:

Three months later, Mr. Zhang accidentally fell and broke his bone. The total cost of hospitalization for 20 days is 40,000 yuan, and the social security reimbursement is 6.5438+0.5 million yuan.

Salary situation:

Accidental hospitalization belongs to general medical insurance coverage, and the deductible of 1 1,000 yuan should be deducted first. 654.38+0.5 million yuan has been reimbursed by social security, and the remaining 25,000 yuan will be reimbursed by He Zhong Zhongkang Medical. In other words, the compensation Mr. Zhang received this time is: 40,000 yuan of total medical expenses-10.5 million yuan of social security reimbursement-10.5 million yuan of deductible =10.5 million yuan.

Insurance rate adjustment:

Your premium will change with your age. At the same time, the insurance company will review the rates every year to reflect a series of factors such as our overall claim settlement experience and medical inflation. The insurance company will decide whether to adjust the insurance premium rate and the adjustment range according to the deviation between the calculation basis used in calculating the insurance premium rate in this master contract and the actual situation. The rate adjustment of this master contract is aimed at all the insured, or the insured of a certain group with the same insurance age and the same insurance area. After the premium rate is adjusted, the insurance company will charge you the premium according to the then premium rate. If you choose not to renew your insurance due to rate adjustment, please inform the insurance company in time.