The incidence of cancer has increased significantly, and with the development of medical technology, the cure rate of cancer has improved significantly, but the cost of medical treatment is still very high, especially the cost of cancer drugs. Many specialty drugs are not reimbursable and may not be purchased by hospitals. Taiping Life has newly launched the national version of Boao Lesheng Global Specialty Drug Insurance in Hainan Bonded Port, a comprehensive benefit supplemental medical insurance for the cost of specialty drugs. Heng Global Specialty Drug Insurance (Hainan Edition) is based on the Boao Lesheng Pilot Zone's high-quality pharmaceutical and equipment resources to provide protection for the people of Hainan Province. Guided by the Administration of Boao Lesheng International Medical Tourism Pilot Zone in Hainan. Joint China Pacific Property Insurance Company Limited Hainan Branch, China Life Property Insurance Company Limited Hainan Branch, People's Republic of China Property Insurance Company Limited Hainan Branch, Taiping Life Insurance Company Limited Hainan Branch, Hua'an Property Insurance Company Limited South Branch of the joint venture of the land boundary of a potent medicine for the treatment of cancer and rare diseases reimbursement of the cost of medical insurance.
Advantage: Hainan version of the Lecheng global special drug insurance enrollment threshold is low. Hainan version does not require any age, occupation or health requirements. Anyone who holds a household registration in Hainan Province, an ID card, a medical insurance insured in Hainan Province and their immediate family members can purchase. For Hainan version of Lucky City Global Specialty Drug Insurance, 30% reimbursement for pre-existing diseases is available, while the old version is not reimbursed. Agreed pre-existing diseases are diseases or symptoms suffered before the effective date of the contract. Based on the old version, the number of global special drug insurance has been increased, providing 75 types of overseas special drugs, 25 types of domestic special drug reimbursement, covering 42 types of tumors and rare diseases.
Weaknesses: the national version has a limited age of coverage, and the LeCheng Global Specialty Drugs Insurance covers people from 28 days to 60 years old. people over 60 years old can't be insured, unlike the Hainan version, which has an unlimited amount of pension insurance. Hospitalization and outpatient medical expenses are not reimbursed. LeCity Global Specialty Drug Insurance only reimburses special anti-cancer drugs, and medical expenses incurred after the waiting period due to accidents or illnesses are not reimbursed. You need to allocate millions of dollars for medical insurance and then supplement the special drug insurance.
The medical institutions designated to use the 25 specific drugs in China should be public hospitals above the second level of hospital classification by the State Council's administrative department of health or medical institutions designated or approved by the insurer, but excluding clinics, rehabilitation, nursing, recuperation, alcohol and other. drug addiction and other similar medical institutions. At the same time, the hospital must have medical equipment that meets the standards of the relevant hospital management regulations, and the hospital must have qualified doctors and nurses to provide medical and nursing services 24 hours a day. The international medical institutions designated to use the 75 special drugs are: Boao Super Hospital in Hainan, Boao Evergrande International Hospital, Hainan People's Hospital Leshan Branch, Boao Leshan International Hospital in Hainan, and Hainan Maternal and Child Medical Center Leshan Branch.