1. Yu health insurance does not guarantee renewal, and it may not be available next year. If necessary, you can pay attention to the official information release of Yu Health Insurance. Henan medical insurance 202 1 enrollment time is from 2020 10/7 to 202 1 February/9. The guarantee period is 1 year, in which: insurance will be applied before February 25th, 2020, and it will take effect on October 25th, 2026.1; From February 26th, 2020 to February 26th, 200219, 202 1, and 202 1 became effective on March 6th. In addition, there is no waiting period in case of insurance, which is a non-guaranteed renewal contract and needs to be reviewed once a year. Yu health insurance has no health information, that is to say, as long as the product continues to be sold, it can be renewed in theory.
2. There are two main types of guarantee: hospitalization medical expenses guarantee. Henan health insurance is fully guaranteed in similar Huimin products. In-patient medical insurance can be reimbursed both inside and outside the medical insurance catalogue, with a deductible of 20,000 yuan per year, with a cumulative maximum reimbursement of 6,543,800 yuan per year, but the reimbursement ratio is different. Personal expenses within medical insurance can be reimbursed 90%, and out-of-pocket expenses outside medical insurance can be reimbursed 50%.
3. For those who have not gone through the procedures of referral, medical treatment in different places or medical treatment in municipal or above medical institutions outside the insured place, the reimbursement rate of hospitalization expenses inside and outside the medical insurance catalogue will be reduced to 40%.
Extended information:
1. Yujianbao provides 1 10,000 yuan of out-of-hospital cancer-specific drug guarantee fund every year, covering 15 kinds of cancer-specific drugs, with zero deductible and 80% reimbursement ratio. Yu health insurance has exemption clauses for past diseases. Past diseases refer to diseases that have been diagnosed by doctors before insurance, but have not recovered after treatment; Or undiagnosed, but the symptoms are obvious.
2. Yu Jianbao's past diseases include tumor, liver, kidney and lung related diseases, but there is no common tertiary diabetes and hypertension. Compared with other similar Huimin insurance products, the deductible is less. Therefore, people with past diseases stipulated in the above contract should pay attention when taking out insurance. Expenses incurred in hospitalization due to previous diseases after insurance coverage are not covered by reimbursement.