Advantages of Beijing Pratt & Whitney Health Insurance
1, compensation for past diseases
Last year, Jinghuibao did not pay for past diseases, and this year's Beijing Pratt & Whitney Health Insurance can also pay for some specific past diseases.
2. Reimbursement of expenses other than medical insurance
In addition, Jinghuibao can't guarantee the expenses other than medical insurance, which means that its reimbursement scope is very limited. If the expenses for reimbursement of basic medical insurance are removed and a certain deductible is added, the expenses that can be reimbursed in medical insurance actually account for very little, and more are expenses other than medical insurance.
This year's inclusive health insurance can be said to make up for this defect, and expenses other than medical insurance can also be reimbursed.
3. The variety of special drugs has increased.
Jinghuibao reimbursed only 17 kinds of special drugs, which can be said that talking is better than nothing. This year, the number of inclusive health insurance has increased to 100.
Although Beijing Pratt & Whitney Health Insurance looks good at present, its shortcomings are obvious.
Disadvantages:
1, high deductible
Knowing the deductible range of Beijing Pratt & Whitney Health Insurance, we can only say that its deductible is too high.
The deductible of up to 30,000-40,000 means that most people don't need it to see a doctor, and most people have a better choice for paying for major diseases.
2. The compensation ratio is insufficient.
The deductible itself is very high, and the reimbursement ratio is less than 100%, 80% of healthy people in outpatient and emergency department and 40% of people with specific past diseases; 70% of healthy people outside medical insurance and 35% of people with specific past diseases; It is 60% for healthy people who use special drugs and 30% for people with specific past diseases.
As for medical insurance, the deductible line for millions of medical insurance is generally only 1 ,000 yuan, and after social security reimbursement, the compensation ratio reaches 1 ,000%.
Therefore, for ordinary people, for people with past medical history, old age and high-risk occupations, Beijing Pratt & Whitney Health Insurance can be said to be a great boon; For friends who are healthy and of moderate age, millions of medical insurance is a better choice. Of course, it doesn't hurt to bring a copy of Beijing Pratt & Whitney Health Insurance.