Hubei Chenghuibao /360 Chenghuibao is a supplement to medical insurance, but it is a commercial medical insurance jointly underwritten by China Life Finance, Taikang Online, Zhongan, yongcheng, China Finance and Zhonghui * * * *, which guarantees reimbursement of specific drug expenses for illness/accident hospitalization, with low premium and few insurance restrictions. But:
(1) Only expenses covered by medical insurance can be reimbursed; (2) The deductible of 20,000 yuan has raised the threshold for claims; (3) When reimbursing, use the surplus after medical insurance reimbursement first, and deduct 80% after deductible; Hubei Bao Hui /360 Chenghuibao can't be reimbursed without medical insurance; (4) Although there is no health questionnaire and no notification, the past illness will not be compensated.
Huimin insurance is a kind of inclusive commercial supplementary medical insurance, which can be used as a supplement to social medical insurance. All expenses in the hospitalization social security catalogue, after deducting the deductible line after social security reimbursement, will be reimbursed by Huimin Insurance in proportion. Its characteristics are: (1) relaxed insurance conditions and unlimited health status; (2) the price is very cheap; (3) The deductible is high and the reimbursement ratio is not high. Generally, there is a deductible of 20,000 yuan/year, only 80% is reimbursed, and the remaining 20% has to be paid by itself. ; (4) The guarantee is not comprehensive, and only the hospitalization expenses within the social security scope can be reimbursed, and only a small part of the expenses outside the social security scope can be reimbursed; (5) Renewal insurance is not guaranteed, and Huimin insurance is mostly one-year medical insurance. It is clearly stated in the contract that the renewal needs to be re-examined. If there are not enough people to buy or the insured are old, weak and sick, the insurance company will pay for it, and the insurance may not be renewed or the price may increase in the next year. ......