What kind of insurance is Ji? Is it traditional?

Hebei is not a traditional insurance, but an inclusive supplementary medical insurance tailored for Hebei in response to relevant national policies. Ji Bao Hui actually belongs to commercial insurance, but it is not for profit, and it is universal. At the same time, in order to reduce the pressure of social security payment, this product has a large audience base and the premium is relatively cheap.

1. Who can buy Ji?

Anyone who participates in the basic medical insurance in Hebei province, regardless of age, occupation and health status, can participate in the insurance, without physical examination and waiting period for claims. Moreover, the premium is extremely cheap. Every year, it is in 79 yuan, and basically everyone can afford it.

2. What's the use of Ji Bao Hui?

First of all, hospitalization expenses can be reimbursed. After social security reimbursement, 20,000 yuan will be paid, and the rest of medical expenses in the medical insurance catalogue will be reimbursed 80%, with a maximum of 3 million yuan.

Secondly, some specific drugs for cancer/rare diseases can be reimbursed. It contains 30 kinds of domestic special drugs and 20 kinds of overseas special drugs, covering a variety of high-incidence cancers and rare diseases such as lung cancer, liver cancer, thyroid cancer and leukemia. 80% of the drug cost can be reimbursed for the specific drugs needed to treat such diseases, and there is no need to pay out of pocket.

In short, on the basis of social security, some medical expenses will be reimbursed to reduce the medical burden and avoid returning to poverty due to illness.

3. What is the reimbursement process?

After going to the hospital to see a doctor, first use social security to reimburse, and use Ji Bao Hui to reimburse the part other than social security.

4. What are the shortcomings of Ji Hui?

(1) No compensation for past diseases. What needs to be reminded here is that Ji does not compensate for some hospitalization expenses caused by previous diseases. For example, if the insured suffers from cancer before the insurance, he can also buy Bao Hui, but the medical expenses for cancer hospitalization are not compensated, but if it is cerebral hemorrhage, he can compensate.

(2) medical treatment must be solved by social security first, otherwise the discipline cannot be reimbursed.

Seeing this, do you think Ji is worth helping? Actually, it's not. Ji Bao Hui is only suitable for the elderly, poor health and high-risk occupational groups. If you are young and healthy, you may wish to choose a million medical insurance, which will be more comprehensive and can be purchased separately. A 30-year-old adult only needs a few hundred dollars a year. Friends who don't know insurance suggest looking for professionals around them to avoid being cheated.