It can be said that Beijing Jinghui Insurance is the propaganda and guidance of the government, which guarantees the renewal and participation rate to a certain extent. However, Beijing Pratt & Whitney Health Insurance is also guided by Beijing Medical Insurance Bureau and Beijing Financial Supervision and Management Committee, both of which are big bosses, but the government departments are different.
2, the security content is different:
Obviously, Beijing Jinghui insurance is insufficient. It only covers the medical insurance catalogue+17. Some high-priced drugs are hospitalized, and the proportion of medical insurance reimbursement in Beijing is very high. It is not so meaningful to report hospitalization expenses at one's own expense (referring to hospitalization expenses outside the medical insurance catalogue). However, the coverage of Beijing Pratt & Whitney Health Insurance is very comprehensive, which can be called a compressed version of millions of medical insurance.
3. The deductible and reimbursement ratio are different:
From the comparison between Beijing Pratt & Whitney Health Insurance and Beijing Jinghuibao, the former (New Huimin Insurance) has a high deductible. Xi Caijun has evaluated hundreds of Huimin insurances since 2020, and personally thinks that Beijing Pratt & Whitney Health Insurance has the highest deductible. And the reimbursement rate is relatively low.
Legal basis: People's Republic of China (PRC) Social Insurance Law.
Article 10 An insurance contract is an agreement between the applicant and the insurer to stipulate the insurance rights and obligations.
The applicant refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the contract.
An insurer refers to an insurance company that has entered into an insurance contract with the applicant and is liable for compensation or payment of insurance benefits according to the contract.
Article 11 When concluding an insurance contract, consensus should be reached through consultation, and the rights and obligations of all parties should be determined according to the principle of fairness.
Unless insurance is required by laws and administrative regulations, an insurance contract is concluded voluntarily.