In addition to medical insurance, many people often choose to buy some serious illness insurance, but they don't care too much about the supplementary medical insurance for outpatient service (or hospitalization), and think that medical insurance is enough. If you think so, it's a bit "too young to be simple". Because according to current statistics, medical insurance is far from covering daily medical needs. Take Shanghai with the best social medical insurance as an example. In the past two years, the medical expenses paid by individual urban workers accounted for more than 50% of all medical expenses, which means that the actual reimbursement of social medical insurance is less than 50%.
According to the data of the Statistical Information Center of the National Health and Family Planning Commission, people's daily medical expenses such as outpatient service and hospitalization are still rising. It is understood that 20 16- 10, the average outpatient cost of tertiary public hospitals in China is 29 1.3 yuan, which is 4.7% higher than the same period of last year and 2.7% higher than the comparable price. The average outpatient expenses of secondary public hospitals are 189.5 yuan, up by 3.3% at current prices and 1.3% at comparable prices. In the same period, the per capita hospitalization expenses of tertiary public hospitals nationwide were 12872.7 yuan, an increase of 2.4% over the same period of last year, and the comparable price increased by 0.4%. The per capita hospitalization expenses of secondary public hospitals are 5569.3 yuan, up by 3.6% at current prices and 1.6% at comparable prices.
Faced with such a huge gap and rising daily medical expenses, limited medical insurance can never cover it; The threshold of critical illness insurance is often too high to take into account daily medical needs.
Why do you recommend Ping An I Kangbao? Because it works!
Why is Ping An I Kangbao worth buying? Because Ping An I Kangbao has comprehensive advantages in company endorsement, product threshold and coverage.
Advantages 1: Introduced by Ping An Group with health insurance license, with renewal guarantee.
Although most outpatient (or inpatient) supplementary medical insurance on the market claims that it can be renewed, people who have a certain understanding of health insurance know that there are only five professional health insurance companies on the market, and only Ping An Health Insurance and Taibao Allianz are really selling health insurance products. Many health insurance in China are launched by insurance companies engaged in property insurance business. according to
I Kangbao is a health insurance product launched by Ping An Health Insurance under Ping An Group. Endorsed by Ping An Health Insurance, the renewal is fully guaranteed. According to the product introduction chart of I-Kangbao, after the initial insurance is successful, no matter whether the physical condition changes or not, no matter whether the claim is made, the insurance can be renewed according to the protection content agreed upon in the insurance terms, and no charges will be charged, excluded or refused. This is usually not available in many health insurance products on the market.
Advantage 2: There is no deductible, and both outpatient and inpatient are paid, which can cover most of the daily medical expenses.
The starting point of purchasing supplementary outpatient (or inpatient) medical insurance is to make up for the coverage that cannot be covered by basic medical insurance and critical illness insurance. However, at present, many supplementary outpatient (or inpatient) medical insurance in the market often set a certain deductible (generally 654.38+0 million) in order to reduce operating costs. For example, Taikang Health, which was very popular last year, is said to have made Taikang lose money. Although the coverage is wide, including hospitalization, special outpatient service, malignant tumor hospitalization and special outpatient service, the insured amount is as high as 1 10,000, but the deductible is set at 1 10,000. Although the deductible of 1 1,000 yuan can be deducted by social security, there is still a huge expenditure gap between the deductible and 1 1,000 yuan, which is undoubtedly a little different from the original intention of the purchase.
However, Ping An I Kangbao has no deductible at all. As long as Ping An I Kangbao is insured, the annual premium of more than 399 yuan is within the annual limit (hospitalization and treatment expenses are within the annual limit of 500,000, and outpatient expenses are within the annual limit of 1 10,000) in the general department of public hospitals above the second level. No matter how much it costs, users can get compensation, and the compensation ratio is 65438+.
Advantage 3: Not limited to the social security catalogue, the coverage of 500,000 is very real.
People who have insured health insurance or have a little knowledge of health insurance products on the market often find that the underwriting amount of many health insurance products is often very high, and some even reach 1 10,000 or 2 million. For example, Taikang Jianxiang and Zhongan enjoy E-students, and the insured amount is as high as 1 10,000, which often attracts many people. However, according to a report published by Ping An Health Insurance official WeChat "Safe and Healthy Living", the total compensation amount of Ping An Health Insurance in 20 16 was 466 million yuan, with 238,000 pieces paid annually, while only 6 pieces actually paid more than 500,000 pieces. In other words, at present, many health insurance products are capped, and most insured people often don't use them at all and can't enjoy them.
"Ping An I Kangbao" eliminates the inflated underwriting amount and pays more attention to practicality. The insured amount of 500,000 yuan is enough to meet the needs of most users. In addition to lowering the threshold of compensation through "unlimited deductible", "Ping An I Kangbao" is not limited to the social security catalogue. As long as "Ping An I Kangbao" is insured, both drugs in the social security catalogue and imported drugs can be underwritten. Special outpatient services (renal dialysis, malignant tumor electrotherapy, chemotherapy or radiotherapy, targeted treatment costs) can be paid within the annual limit.
Advantage 4: No claim renewal discount, and intelligent products are humanized.
Most notably, Ping An I Kangbao also supports the offer of no claim renewal. This also means that if you were in good health at that time and did not generate any medical reimbursement expenses, Ping An Health Insurance will automatically recommend a more reasonable plan according to your situation and give a more favorable plan when renewing the insurance.
In addition, Ping An Health Insurance will also give away various services such as genetic testing cards and physical examination cards as long as it is insured.
Written expression is a bit cumbersome. Bian Xiao specially made a brief comparison table of Ping An I Kangbao and Taikang's health enjoyment and Zhongan's enjoyment of E students. If you are not clear about the advantages of this product, please take a look at the following table:
Based on the above information, it is not difficult to see that Ping An I Kangbao has a low threshold and a wide range of protection, which can be described as a golden partner for basic medical insurance and critical illness insurance. It is worth starting to reasonably reduce the loss of daily medical expenses.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.