HP Health Package is not only underwritten by regular insurance companies, but also has complete coverage, so there is no need to question the authenticity of Beijing Pratt & Whitney Health Insurance.
1, main advantages:
(1) Past diseases can also be reimbursed: although similar products can also be insured with illness, regardless of age and occupation, there are limitations in taking insurance with illness, and the treatment expenses caused by serious illness cannot be reimbursed, but this product can reimburse some medical expenses, which is beneficial to patients with serious illness;
(2) The coverage of high-priced specific drugs is wide: many products only cover 20-30 kinds of out-of-hospital specific drugs, while this product covers 500,000 kinds of domestic specific drugs+500,000 kinds of foreign specific drugs, with a total liability limit of 654.38+00,000 kinds of specific drugs (including 25 kinds of domestic drugs/75 kinds of foreign drugs).
(3) In order to bring health benefits to the insured to a greater extent, the protection responsibility of "Beijing Pratt & Whitney Health Insurance" covers the triple protection inside and outside the medical insurance catalogue: 1. Hospitalization and outpatient expenses listed in the medical insurance catalogue can be reimbursed if they exceed the deductible line of serious illness medical insurance in Beijing in that year, with a maximum reimbursement of 1 10,000 yuan/year, and 80% of the specific past diseases of healthy people can be reimbursed. 2. Out-of-pocket expenses of hospitalized individuals outside the medical insurance catalogue can be paid up to 6,543.8+0,000 yuan/year, and healthy people only need to meet the deductible line of 20,000 yuan per year and the deductible line of 40,000 yuan per year for people with specific past diseases. The proportion of compensation for healthy people is 70%, and that for specific people with past diseases is 35%. 3. 100 kinds of high-priced special drugs at home and abroad, of which 25 kinds of domestic special drugs have a maximum insured amount of 500,000 yuan/year, and 75 kinds of foreign special drugs have a maximum insured amount of 500,000 yuan/year, with a total insured amount of 6,543.8+0,000 yuan/year. The annual deductible for healthy people is 20,000 yuan, and the compensation ratio is 60%. The annual deductible for people with specific past diseases is 40,000 yuan.
2. Main shortcomings:
(1) The deductible is very high: this product can see four types of protection contents, all of which are deductibles, including 40,000 people with previous diseases and 39,500 ordinary healthy people. The claim threshold is much higher than other similar products, so it is not so easy to get compensation.
(2) Higher pricing: Compared with dozens of Huimin insurances in other regions, this product is guaranteed for one year 195 yuan, and the pricing is not low. Generally speaking, if we distinguish the advantages and disadvantages of Beijing Pratt & Whitney Health Insurance, it can only show that this product is relatively complete and practical, but the deductible is relatively high and needs to be improved. It is basically a more reliable product.
Beijing Pratt & Whitney Health Insurance is designed and developed by China People's Insurance Company, China Life Insurance Company, Taikang Insurance Company, China Pacific Insurance Company and China Ping An Company. Moreover, "Beijing Pratt & Whitney Health Insurance" products are provided by Yiduyun as the main operating platform, and jointly guided by Beijing Medical Insurance Bureau and Beijing Local Financial Supervision Administration. Most importantly, "Beijing Pratt & Whitney Health Insurance" is supervised by the Beijing Supervision Bureau of the Bank of China Insurance Regulatory Commission.