However, I hope you can understand the insurance liability and payment rules before making a decision, instead of buying it just because it is cheap.
Next, let's look at Jiangxi Weihui Newspaper 2022 through six key issues.
1. Jiangxi Weihui Newspaper 2022
What is this?
Jiangxi
Huimin Insurance "Jiangxi Weihuibao 2022" is exclusive.
Insured persons of basic medical insurance in cities and provinces in Jiangxi Province and insured persons of basic medical insurance in provincial organs.
(
Warranty status
) inclusive medical insurance,
The essence is still commercial insurance.
, underwritten by Taiping Property Insurance Jiangxi Branch.
Participation time: March 25th, 2022 ~ May 30th, 2022.
Warranty period:
June 2022
1~ May 3, 20231
Special reminder: don't miss the insurance time and pay attention to the insurance date.
Second, who can buy it?
Jiangxi Weihui newspaper 2022
The unified price of Jiangxi Huimin Insurance "Jiangxi Weihuibao 2022" is 120 yuan/person/year, regardless of gender.
No age limit: both newborns and centenarians can participate in the insurance;
Unlimited occupation: regardless of high-risk occupation, you can participate in insurance;
Unlimited household registration: no matter where the household registration is, you can participate in the insurance;
Unlimited medical history: you can participate in insurance if you are sick and have no health notice.
The only requirement
: Must be the basic medical insurance insured in Jiangxi, Nanchang, Jiujiang, Jingdezhen, Pingxiang, Xinyu, Yingtan, Ganzhou, Yichun, Shangrao, Ji 'an and Fuzhou, and must be in the insured state.
3. What will Jiangxi Weihui guarantee in 2022?
The insurance liability is as follows:
What expenses can be reimbursed and how much can be reimbursed are clearly stated in the picture. Everyone must look at the picture carefully.
Special reminder:
1 Drugs purchased by non-hospital pharmacies will not be reimbursed;
Do not bear the medical expenses that should be compensated by the third party (including hit-and-run and delay compensation, etc.). ).
Four, Jiangxi Weihui newspaper 2022
How to reimburse?
For a better understanding
Jiangxi
Huimin Insurance "Jiangxi Weihuibao 2022"
"How to submit an expense account, let's give a simple example.
Special reminder: please read this part carefully, or you will never know how much Huimin Bao can reimburse!
After the policy came into effect, Mr. Y was hospitalized in a 3A hospital in Nanchang for lung cancer (non-specific past disease), with a total cost of 300,000 yuan. Nanchang medical insurance and serious illness insurance were reimbursed 1.8 million yuan, what is the remaining 1.2 million yuan?
Step 1: How is the remaining 6.5438+0.2 million constituted?
The details of the assumptions are as follows:
Out-of-pocket expenses of inpatients in the medical insurance catalogue: 50,000 yuan.
Out-of-pocket expenses of inpatients outside the medical insurance catalogue: 70,000 yuan.
Step 2: How much is the remaining 12 general reimbursement?
According to reimbursement rules:
Reimbursable amount of out-of-pocket expenses of inpatients in the medical insurance catalogue = (50,000-self-pay line10.5 million) × reimbursement ratio 30% =10.5 million.
Reimbursable amount of out-of-pocket expenses of inpatients outside the medical insurance catalogue = (70,000-25,000) × reimbursement ratio 30% = 1.35 million.
To sum up, the accumulative reimbursable amount = 1.05 million+1.35 million = 24,000.
Of course, this does reflect the shortcomings of Huimin insurance such as Jiangxi Weihuibao 2022:
The scope of reimbursement is narrow, the deductible line is high and the reimbursement ratio is low.
PS:
Please refer to the relevant contents of the insurance interface for the detailed protection scheme, and the reimbursement amount shall be subject to the actual situation. The above cases are for demonstration only, not as a basis for claims.
Five,
Jiangxi Weihui newspaper 2022
Can I get insurance if I am sick?
Before insurance, regardless of any disease, you can participate in Jiangxi Huimin Insurance "Jiangxi Huimin Insurance 2022".
However, before the contract comes into effect (
Before 0: 00 on June 1 day, 2022
) For the following diseases diagnosed, reduce the reimbursement ratio of related hospitalization medical expenses.
1 tumor category: malignant tumor (including leukemia, lymphoma, malignant tumor-mild, malignant tumor-severe, intracranial space occupying or tumor)
Liver and kidney diseases: renal insufficiency, liver cirrhosis, liver insufficiency.
Cardiovascular and cerebrovascular diseases and glycolipid metabolic diseases: ischemic heart disease (including coronary heart disease and myocardial infarction), chronic cardiac insufficiency (cardiac function grade 3 and above), cerebrovascular diseases (cerebral infarction, cerebral hemorrhage and stroke sequelae), hypertension (grade 3) and diabetes and its complications.
Pulmonary diseases: chronic obstructive pulmonary disease, chronic respiratory failure and pulmonary hypertension.
Others: systemic lupus erythematosus, paralysis, aplastic anemia, ulcerative colitis.
For example, lung cancer has been diagnosed before insurance, and Jiangxi Weihuibao 2022 can also be insured. However, the reimbursement ratio of the inpatient self-paid part in the medical insurance catalogue and the inpatient self-paid part outside the medical insurance catalogue decreased.
6. Can medical treatment in different places be reimbursed?
Sure!
However, if you go to a hospital outside the place where medical insurance is insured, you need to go through the medical records or referral procedures in different places in accordance with local medical insurance regulations.
1. Medical treatment in different places in Jiangxi Province has been registered or referred by medical insurance, and the reimbursement rate is 10%.
2. I have applied for medical insurance for medical treatment in different places.
place on file
or
Transfer the patient to another medical institution for treatment.
,
The reimbursement rate for medical treatment in different places outside Jiangxi Province is 30%.
3 without medical insurance filing or referral to the designated medical institutions outside the medical insurance, the reimbursement rate is 50%.
4. If you seek medical treatment in a non-medical insurance designated medical institution, the medical expenses incurred will not be reimbursed.