I am from Bao Hui, Hebei.
Medical expenses of medical insurance hospitalization: the excess of 6,543.8+0.5 million will be reimbursed according to the proportion of 80%, with the upper limit of 6,543.8+0.5 million, and no compensation will be given for specific past diseases;
Medical expenses for hospitalization outside medical insurance: 50% for the excess of 6,543.8+0.5 million, with the upper limit of 6,543.8+0.5 million, and no compensation for specific past diseases;
50 kinds of special drugs: including 30 kinds of domestic special drugs and 20 kinds of overseas special drugs. There is no limit to the deductible, which is 80% for healthy people and 20% for sick people. The upper limit is 1 10,000.
Ji supports disease insurance, but there are certain restrictions on the medical expenses of past diseases and their complications. The hospitalization expenses caused by the following four major past diseases are not covered. If it is a special drug cost, the compensation ratio will be reduced to 20%.
Second, Hebei Huimin Medical Insurance
Medical expenses for hospitalization in medical insurance: if it exceeds 20,000, it will be reimbursed at the rate of 80%, with an upper limit of 6,543.8+0,000, and no compensation will be given for specific past diseases;
Medical expenses for hospitalization outside medical insurance: if the amount exceeds 20,000, it will be reimbursed at the rate of 60%, with an upper limit of 6,543.8+0,000, and no compensation will be given for specific past diseases;
30 kinds of specific high-priced drugs: 0 deductible, reimbursed by 80%, with an upper limit of 654.38+0 million, and no compensation for specific past diseases.
There is a difference between hospitalization expenses and some high medical expenses, and past diseases are not covered by compensation.
Third, Zhao Yan health insurance.
Medical expenses of medical insurance hospitalization: 80% for the excess part of 6,543.8+0.5 million, 35% for specific past diseases, with the upper limit of 6,543.8+0.5 million;
Medical expenses for hospitalization outside medical insurance: if the amount exceeds 20,000, 60% will be reimbursed, and 35% will be reimbursed for specific past diseases, with an upper limit of 1 10,000;
50 kinds of specific high-cost drugs: 0 deductible, 80% reimbursement, 35% reimbursement for specific diseases, upper limit 1 10,000.
Fosun Kate CAR-T therapy: 0 deductible, 80% reimbursement, and the upper limit is 654.38+00,000. There is no compensation for past diseases. Fosun Kate CAR-T therapy is mainly used to treat some hematological tumors, and the anticancer drug1.20,000/needle, which was very popular a while ago, belongs to this therapy.
4. How to choose health insurance and health insurance for Ji and Huimin?
All of them have the guarantee of hospitalization medical expenses inside and outside medical insurance, and have the guarantee of high special drug expenses.
From the security content, Zhao Yan medical insurance > Ji Hui medical insurance > Huimin medical insurance.
In contrast, the reimbursement rate of hospitalization medical expenses outside Zhao Yan medical insurance and medical insurance catalogue is higher, which is 70%; Ensure that the total number of special drugs is large; The high-priced fosun Kate CAR-T therapy is also included in the scope of protection. It is worth mentioning that, except for Fosun Kate CAR-T therapy, all the other three items are cured, and 35% of the previous diseases can be reimbursed, which can reduce the pressure on some medical expenses for people with previous diseases.
The corresponding guarantee content and the corresponding price. Zhao Yan Health Insurance 1 19 yuan; Huimin medical insurance; 99 yuan; Ji 79 yuan.
For some older people with complicated health conditions, such as those with more diseases in the past, if they can't buy regular million-dollar medical insurance, they can start with a Zhao Yan health insurance to add more protection to social security.
If you are young and healthy, you can buy millions of medical insurance normally. It is recommended to give priority to the allocation of millions of medical insurance. After all, the deductible for millions of medical insurance is usually only 1 1,000 yuan. There are no restrictions on reimbursement of diseases, drugs and medical insurance, and the coverage is wider. In the face of serious illness, it can play a greater role and you need to bear lower costs.
legal ground
People's Republic of China (PRC) social insurance law
Article 1 This Law is formulated in accordance with the Constitution for the purpose of adjusting the social insurance relationship, safeguarding citizens' legitimate rights and interests in participating in social insurance and enjoying social insurance benefits, enabling citizens to enjoy the fruits of development and promoting social harmony and stability.
Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.
Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units.