Huimin Insurance.
Huimin Insurance is essentially a kind of commercial medical insurance that can reimburse some large medical expenses, mainly to improve the problem of "poverty due to illness". The Huimin insurance series products are promoted by the Medical Insurance Bureau and underwritten by insurance companies. You need to contact the insurance company when settling claims.
Huimin insurance generally has the following characteristics:
1. Low insurance threshold
Most of the Huimin insurance has no occupation, no age limit, There is no health notice, you can purchase it as long as you are insured by local medical insurance.
2. The price is affordable
The price of Huimin Insurance is between 29-79 yuan/person/year, and you can also pay with your personal medical insurance account.
3. High insurance coverage
The insurance coverage of Huimin Insurance is more than 1 million yuan.
4. High deductible
The deductible of most Huimin insurance is 20,000 yuan.
5. Proportional reimbursement
The reimbursement ratio is between 70% and 90%, and the reimbursement ratio of individual benefit insurance can reach 100%.
6. Scope of reimbursement
Most of them only reimburse hospitalization medical expenses within the social security catalog, such as: Guangzhou Huimin Insurance, Chongqing Yuhuibao, Henan Yujian Insurance, Hunan Xianghui Wait.
The difference between Huimin Insurance and Million Medical Insurance:
1. Protection liability
Most Huimin Insurance only reimburse the self-payment part in the medical insurance catalog , imported drugs, self-paid drugs and other expensive items are not reimbursed, but there is generally cancer drug insurance.
The million-dollar medical insurance is not limited to internal and external social security reimbursements, including four categories: inpatient medical care, outpatient and emergency care before and after hospitalization, outpatient surgery, and special outpatient services.
2. Deductible
The deductible of Huimin Insurance is generally 20,000 yuan. After excluding the medical insurance reimbursement part, the deductible needs to be deducted for different items, and the remaining expenses can be reimbursed.
The deductible for a million-dollar medical insurance is generally 10,000 yuan, and the current average hospitalization cost in my country is more than 10,000 yuan.
And the reimbursement ratio of Huimin Insurance is limited, generally around 70%, while the reimbursement ratio of Million Medical Insurance is 100%.
3. Health Notice
Huimin Insurance basically does not have health notices. You can get insurance as long as you sign up for local medical insurance.
Millions of medical insurance health notifications are stricter.
4. Renewal
Although Huiminbao does not guarantee renewal, there is no health notice. As long as the product is still there in the second year, you can continue to buy it, but it may be that the product in the previous year Pre-existing conditions will be waived.
Million Medical Insurance has guaranteed renewal periods of 6 years, 15 years, and 20 years. During the renewal period, the insurance can be renewed regardless of whether the product is discontinued or whether a claim has been settled.
5. Value-added services
Huimin insurance generally does not have value-added services.
Million-dollar medical insurance generally includes value-added services such as green pass for medical treatment and medical advance payments
Who is suitable for Huimin Insurance?
There is no age limit, no occupation limit, no health notification, and you can purchase it as long as you participate in local medical insurance. The insurance conditions for Huimin Insurance are very loose, but the corresponding protection will be slightly insufficient.
Based on the difference between Huiminbao and million-dollar medical insurance, how to choose:
1. Older age
It is difficult for people over 65 years old to buy million-dollar medical insurance For medical insurance, you can only choose Huimin Insurance at this time.
2. Poor physical condition
General health insurance, including millionaire medical insurance and critical illness insurance, have requirements for the insured's health condition.
Huiminbao does not limit your health status, as long as you participate in local medical insurance, you can be insured.
3. Excluded from coverage by Millions Medical Insurance
Due to physical reasons, certain diseases are excluded from coverage by Millions Medical Insurance. You can purchase a Huimin Insurance to cover the risks.
Based on the difference between Huimin Insurance and million-dollar medical insurance, priority should be given to million-dollar medical insurance. If you cannot purchase million-dollar medical insurance, Huimin Insurance will be considered.