Method 1: Look at the practicality of product guarantee.
Huimin medical insurance, like millions of medical insurance, can provide millions of medical insurance coverage a year, but high coverage does not mean excellent coverage. The key depends on the scope, proportion and threshold of product reimbursement. Let's take Fujian Huimin Bao as an example:
Let's take a look at the details of Huimin Bao's basic guarantee:
1. Reimbursement scope: This product has a wide reimbursement scope, which can be reimbursed both inside and outside the hospital. In addition, it also provides medical insurance for certain high medical expenses, including 30 kinds of drugs for cancer and rare diseases, and can be reimbursed up to 3.5 million yuan a year.
2. Reimbursement ratio: the reimbursement ratio for non-patients is between 50% and 70%, and the reimbursement ratio for patients with previous diseases is between 30% and 60%, and the reimbursement ratio is low.
3. Deductible: The deductible of this product is very high, with a total of 40,000 yuan for those with no previous medical history and 50,000 yuan for those with previous medical history, and the reimbursement threshold is relatively high.
Method 2: See if the product highlights are outstanding.
There are many medical insurance for the benefit of the people in the market, and many cities have introduced various medical insurance for the benefit of the people. There must be differences between different products. For individuals, the more comprehensive the protection, the more outstanding the product is worth considering. Let's take Fujian Huimin Bao as an example:
1, past diseases can be compensated and insured: although the product has a specific agreement on past diseases, the medical expenses caused by specific past diseases can still be compensated.
2. Good medical insurance: The coverage of many Huimin medical insurance is relatively simple, and only hospitalization and special drugs are guaranteed in medical insurance. This product includes medical expenses and special drugs in medical insurance, as well as hospitalization medical insurance other than medical insurance, and the coverage is still relatively wide.
3. Less insurance restrictions: As long as you apply for basic medical insurance in Fujian Province (except Xiamen), you can buy it, regardless of age, occupation, health status and health notification requirements, and take insurance despite illness.
Method 3: Look at the limitations of past diseases.
The insurance requirements for Huimin medical insurance are generally relaxed. As long as you participate in the local basic medical insurance, you can buy it, and you can take out insurance against illness. However, many products have agreed on specific past diseases, and the medical expenses caused by specific past diseases will not be compensated or the reimbursement ratio will be reduced, so they are not so friendly to people with abnormal health. Let's take Fujian Huimin Bao as an example:
The product also has specific past disease restrictions, but the medical expenses caused by specific past diseases can be compensated, but the reimbursement ratio is reduced. Compared with products that directly refuse to pay for medical expenses caused by previous diseases, Huimin Bao is still much more friendly.
In addition to special drug liability, the scope of previous diseases is as follows:
1, malignant tumor (including leukemia and lymphoma);
2. Liver and kidney diseases: renal insufficiency; Liver cirrhosis and abnormal liver function;
3. Cardiovascular and cerebrovascular diseases, glucose and lipid metabolic diseases: ischemic heart disease (including coronary heart disease and myocardial infarction) and chronic cardiac insufficiency (cardiac function grade 3 and above); Cerebrovascular diseases (cerebral infarction, cerebral hemorrhage); Hypertension (Grade III); Diabetes with complications;
4. Lung diseases: chronic obstructive pulmonary disease and chronic respiratory failure;
5. paralysis.
Previous diseases of special drugs: including malignant tumor, Gao Xue's disease, Pompeii's disease, mucopolysaccharide storage disease, hyperphenylalaninemia, optic neuromyelitis family disease, X-linked hypophosphatemia (XLH) and hereditary angioedema (HAE).
What are the advantages and disadvantages of Fujian Huimin Bao? I hope the above content is helpful to you.