1, insurance restrictions are different: Millions of medical insurance has a clear age requirement, so Hui Bao Qin can be assured to participate in insurance regardless of age and occupation as long as he holds Shaanxi medical insurance.
2. Different health requirements: Commercial medical insurance has strict physical requirements, and some diseases are easily excluded, postponed or refused. Hui Bao Qin does not exist, and people who have had diseases before can also be insured and reimbursed, which is beyond the reach and incomparable of commercial million medical insurance.
3. The underwriting content is different: one million medical insurance is more comprehensive, but compared with other similar Huimin insurance, Qin Hui insurance is very comprehensive, and all diseases in the past can be insured and compensated, which means nearly one million medical insurance.
4. Difference between deductible and reimbursement: Undoubtedly, the difference between Huiqinbao and Million Medical Insurance lies in the difference between deductible and reimbursement. Millions of medical insurance is more humane in deductible, and the reimbursement ratio is relatively higher, but at the same time the premium is higher.
5. Renewal: Million Medical Insurance has launched many products that guarantee renewal in the medium and long term, and renewal is more secure. Huiqinbao is a policy product, with 1 year insurance and 1 year insurance. Logically speaking, the participation rate and renewal will be guaranteed to some extent, which is not bad.
6. Compensation: Millions of medical insurance belongs to commercial insurance and is a commercial product that insurance companies make money from. Huiqinbao has certain public welfare, and will refer to the public's payment level, and its pricing is much lower.