Medical expenses for hospitalization within social security (80% after deducting 20,000 yuan) and certain high medical expenses outside social security (80% reimbursement). However, Shaoguan citizen insurance does not provide reimbursement for hospitalization medical expenses other than medical insurance, and it has restrictions on past diseases, that is, the related expenses caused by five past diseases agreed in the contract are not compensated by Shaoguan citizen insurance.
Shaoguan citizen insurance is jointly underwritten by China Life Insurance, China PICC Property Insurance and Ping An Pension, and its solvency is still very strong.
Shaoguan citizen insurance is an inclusive supplementary medical insurance jointly guided by Shaoguan Medical Insurance Bureau, Shaoguan Financial Work Bureau, Shaoguan Central Branch of China People's Bank and Shaoguan Supervision Branch of China Insurance Regulatory Commission. China PICC, China Life Insurance and Ping An Pension jointly underwrite, and Sipai Health Service Platform provides a variety of health services. It aims to alleviate the huge economic pressure caused by high medical expenses and help Shaoguan improve the multi-level medical security system.
Product features:
(1) The government guides.
Shaoguan Citizen Insurance is a supplementary product of basic medical insurance jointly guided by Shaoguan Medical Insurance Bureau, Shaoguan Financial Work Bureau, Shaoguan Central Branch of China People's Bank and Shaoguan Supervision Branch of China Insurance Regulatory Commission. It is specially developed for Shaoguan social basic medical insurance participants (including employees, residents and villagers). Government departments unified the premium standards, treatment standards and coverage, and selected China PICC, China Life Insurance and Ping An Pension through public bidding.
② Unified price for the whole people.
From/kloc-old people over 0/00 to newborn babies, it is 66 yuan/person/year.
③ No health restrictions.
Patients with past diseases and chronic diseases can also be insured (except for the medical expenses of the seven agreed types of past diseases, others can apply for claims).
(4) Special drugs are free.
24 kinds of special drugs within the payment range of some high-priced drugs can be reimbursed 80% without deductible.
Guarantee content:
1. Hospitalization medical expenses: During the insurance period, the medical expenses incurred by the insured due to hospitalization belong to the reimbursement scope of Shaoguan social medical insurance and should be paid by the insured himself.
2. Specific out-of-pocket drug expenses: the expenses of 24 kinds of specific out-of-pocket drugs in the Catalogue of Specific Out-of-pocket Drugs of PICC used by the insured during the insurance period.