1. The compensation scope of Huimin insurance mainly includes hospitalization medical expenses and certain high drug expenses;
2. Hospitalization medical expenses refer to the medical expenses incurred by the insured in designated hospitals during the insurance period, which should be paid by individuals, including medical expenses within and outside the scope of local social security reimbursement;
3. Specific high drug costs, that is, during the insurance period, the insured buys high specific drug costs within the agreed drug list payment range in designated hospitals or pharmacies after seeing a doctor in designated hospitals;
4. "Huimin Insurance" is connected with basic medical insurance to provide convenient one-stop "insurance protection and full health service" for the insured.
Legal basis: Article 29 of People's Republic of China (PRC) Social Insurance Law?
The medical expenses of the insured shall be paid by the basic medical insurance fund, and shall be directly settled by social insurance agencies, medical institutions and pharmaceutical business units. The administrative department of social insurance and the administrative department of health shall establish a settlement system for medical expenses in different places to facilitate the insured to enjoy the basic medical insurance benefits.