The proportion of self-paid medical insurance and reimbursement for specific drugs outside the hospital is 70%, which is maintained at 80% compared with similar products.
2. There is a deductible of 30,000 yuan.
The deductible is 1.5 million for hospitalization expenses in the medical insurance catalogue and 1.5 million for expenses outside medical insurance, totaling 30,000 yuan. Some have a separate deductible of 8,000 yuan, and some have a deductible of 20,000 yuan inside and outside the medical insurance catalogue.
"Zhao Yan Medical Insurance" is a supplementary medical insurance for Huimin under the guidance of Hebei Medical Insurance Bureau, and 1 19 yuan guarantees 4 million yuan. Closely linked with basic medical insurance, the coverage includes reimbursement of hospitalization expenses inside and outside medical insurance, reimbursement of high drug expenses and reimbursement of the most popular CAR-T therapy at present.
Zhao Yan Health Insurance is a provincial-level inclusive supplementary medical insurance specially tailored for Hebei people. As long as the insured who participated in the basic medical insurance in Hebei Province can participate in the insurance, it is closely linked with the basic medical insurance and can supplement the medical insurance of the insured to some extent.
Zhao Yan Health Insurance in Hebei Province is jointly underwritten by 9 insurance companies, including China Life Insurance, Taikang Pension, Pacific Property Insurance, Taiping Property Insurance, PICC Health Insurance, Ping An Health Insurance, Zhao Yan Property Insurance, Jingbao Life Insurance and Zhonghui Mutual. In addition, Zhao Yan Health Insurance is a product directed by Hebei Medical Insurance Bureau.
Main advantages:
1. Internal and external medical expenses of medical insurance:
The medical insurance in Zhao Yan, Hebei Province covers the reimbursement of medical expenses inside and outside the medical insurance, as well as specific drugs and Fosun Kate therapy. Among them, the medical expenses in medical insurance are 6.5438+0 million, and the expenses outside medical insurance are also 6.5438+0 million, which is fully guaranteed;
2. The insurance threshold is loose:
Like other Huimin insurance, it is not limited by age, occupation and health status. Anyone who participates in Hebei medical insurance can participate in the insurance, and the threshold for participation is relaxed. Although five types of past diseases are listed, many inclusive medical insurances stipulate that past diseases will not be compensated. After deducting the corresponding deductible, this item can also be reimbursed by 35% (medical expenses within medical insurance+medical expenses outside medical insurance+specific drugs);
3. The threshold of claims for fixed drugs and fosun Kate therapy is low:
In the content of this product guarantee, both specific drugs and fosun Kate therapy are zero deductibles, far below the threshold of other Huimin insurance claims.
How to buy Zhao Yan Health Insurance?
Interested in this Huimin insurance plan, you can pay attention to two purchase channels:
1, Hebei medical insurance participants can participate in the insurance online through the officially designated insurance platform "Zhao Yan Medical Insurance" WeChat official account;
2. Alipay client searches for "Hebei Zhao Yan Health Insurance" for insurance.