1. Reimbursement of past diseases
Although both products can be insured with disease insurance, and both have specific restrictions on past diseases (Zhao Yan Health Insurance has additional paralysis in the agreement on past diseases), the requirements for specific past diseases are relatively strict in Ji 202 1. If the insurance company does not reimburse the medical expenses incurred inside and outside the hospital due to specific past diseases, the special drug expenses can only be reimbursed by 20%. On the other hand, health insurance in Zhao Yan is more friendly. Fosun Kate CAR-T therapy can reimburse 35% of other responsibilities except medical expenses caused by specific past diseases, which is far lower than that of people without past diseases.
2. Guarantee content
Zhao Yan health insurance can provide fosun Kate CAR-T therapy, and Kyrgyzstan version 202 1 provides this guarantee, and from the perspective of reimbursement ratio, health insurance is higher.
3. From the perspective of premium.
The prices of the two products are 79 yuan/year and 1 19 yuan/year respectively, which is different from 40 yuan.
Conclusion: Health insurance in Zhao Yan is better than others in past diseases, coverage content and reimbursement ratio, and it is more suitable for people with abnormal health. However, the price of Hebei version 202 1 won, and overall, health insurance has a good cost performance.
Hebei is an inclusive commercial supplementary medical insurance product with Hebei characteristics, which is guided by the government and underwritten by China People's Property Insurance Company Limited and China Life Insurance Company Limited. ..
Zhao Yan Health Insurance is a supplementary medical insurance product specially designed for medical insurance participants in Hebei Province, which is directed by Hebei Medical Insurance Bureau, underwritten by China Life Insurance Company and Taikang Pension Company, and underwritten by nine insurance companies. Zhao Yan health insurance adheres to the principles of wide coverage, strong convergence, marketization and sustainability, and is closely linked with basic medical insurance, aiming at improving the medical security level of the insured people. It is an important part of the multi-level medical security system in Hebei Province.
These two products are the exclusive protection of Hebei people, and can be purchased by those who have participated in the basic medical insurance in Hebei Province (including urban and rural residents' medical insurance and urban workers' basic medical insurance).