How should Yan make a claim?

Yanhuibao can apply for claims on its insurance platform and provide relevant information for application. The claim scope of tobacco benefit insurance includes medical expenses within the scope of medical insurance and the protection of some high drug expenses. Among them, the medical expenses within the scope of medical insurance claims need to be reimbursed within the guarantee period, and the expenses incurred by the insured in designated hospitals can only be reimbursed after medical insurance reimbursement. It should be noted that the coverage of tobacco benefit insurance adopts the deductible of 20,000 yuan, and only the part exceeding 20,000 yuan can be reimbursed, and the total amount cannot exceed 2 million yuan.

1. Who can participate in the Tobacco Bao Hui?

Answer: All urban workers' medical insurance participants in Yantai and urban and rural residents' medical insurance participants in Yantai (formerly the new rural cooperative medical system) can participate in the insurance. Including civil servants, enterprise employees, retirees, farmers, students, preschool children and so on.

2. What is the coverage of "Tobacco Bao Hui"?

Responsibility 1: hospitalization expenses within the scope of medical insurance

During the insurance period, the medical expenses incurred by the insured due to hospitalization in designated hospitals are in line with the medical expenses within the scope of Yantai social medical insurance. After being reimbursed by social medical insurance, the rest shall be borne by the individual.

Responsibility 2: Specific high drug costs

During the insurance period, the insured is diagnosed with the applicable diseases listed in the Catalogue of Some High-priced Drugs in Tobacco Bao Hui for the first time, and is prescribed by a specialist in a designated hospital to buy drugs within the payment scope of the Catalogue of Some High-priced Drugs in Tobacco Bao Hui in a designated hospital or a designated drugstore.

In the policy year, if an individual pays more than 20,000 yuan for the above two expenses, 80% will be reimbursed, and the maximum reimbursement amount will not exceed 2 million yuan (the maximum reimbursement amount for each expense will not exceed 6,543,800 yuan+0,000 yuan).

4. Can I apply for insurance if I have a past medical history?

A: You can participate in insurance.

As the exclusive commercial health insurance for Yantai citizens, "Yan Huibao" can participate in "Yan Huibao" in order to benefit more Yantai citizens, regardless of whether they have suffered from diseases in the past.

5. Do I need to participate in "Tobacco Benefit Insurance" when I have health insurance such as basic medical insurance?

A: "Yanhuibao" is a commercial insurance closely linked with Yantai's basic medical insurance. After the basic medical insurance in Yantai is reimbursed, some expenses can be reimbursed, which is a powerful supplement to the basic medical insurance.

In addition, the medical expenses incurred by the insured can be settled from different health insurance, and the deductible can be deducted from the payment amount of other commercial insurance that meets the payment conditions of this product, but the total amount of multiple claims will not exceed the total medical expenses. They can effectively complement each other.