Extended information:
Insurance requirements:
Bao Hui belongs to Huimin medical insurance, so the insurance requirements are very loose. There are no restrictions on the occupation, age and household registration of the insured, and there is no need for health notification before insurance. Anyone who participates in the basic medical insurance in Anhui Province (including medical insurance for urban workers and medical insurance for urban and rural residents) can participate in the insurance.
Guarantee content:
Anhui Baohui can provide insurance for inpatient and outpatient medical expenses, with a high coverage of 6.5438+0.5 million yuan respectively, which can be reimbursed by 75%. However, the threshold of claim settlement is too high, and the deductibles of the two liabilities are 20,000 yuan respectively, totaling 40,000 yuan. In addition, no specific high-value drug guarantee is provided. The insurance requirements of this product are really loose, but the protection needs to be improved, which is obviously different from the millions of medical insurance on the market. Although Bao Hui's insurance requirements are not high, it should be noted that it does not pay for some past diseases, and there are also some deficiencies in the scope of protection. Therefore, whether it is worth buying should be considered in combination with its advantages and disadvantages.
What are the advantages and disadvantages of Bao Hui?
1. Introduction of product advantages
(1) The insurance requirements are relaxed. This product is not limited to age, occupation and household registration, and has no requirements for the health status of the insured. Even if you are ill, you can buy insurance. As long as you have participated in the basic medical insurance in Anhui Province, you can participate in the insurance.
(2) There are many expenses other than medical insurance. Huimin medical insurance can only reimburse the expenses within the medical insurance, and the scope of reimbursement is limited, while Bao Hui can reimburse the hospitalization expenses outside the medical insurance, which can be reimbursed by 75%, with a wider coverage.
2. Disadvantages of the product
(1) Although it is agreed that the insured can take out insurance in spite of illness, if the insured has been diagnosed with a specific past disease before the policy takes effect, the insurance company will not compensate the medical expenses incurred by the past disease during the insurance period.
(2) High deductible. Whether in medical insurance or outside medical insurance, there is a deductible limit of 20,000 yuan, and the threshold for claims is high.