It is underwritten by nine commercial insurance companies: Pacific Life Insurance, Taiping Pension, Ping An Pension, Ping An Health Insurance, China Life Insurance, PICC, Taikang, Xinhua and Jianxin Life Insurance, and China Xinbao is responsible for the system construction and operation.
During the insurance period, the insured's specific self-funded medical expenses (drugs, surgical materials and examination fees) settled by Shanghai basic medical insurance during his hospitalization in the general inpatient department of the local designated hospitals with secondary and above medical insurance exceeded 20,000 yuan, and 70% of non-previous patients and 50% of former patients paid insurance money. Among them, the annual compensation limit for single drug is 300,000 yuan, the annual compensation limit for single hospitalization surgery materials is 200,000 yuan, and the PET-CT examination fee is paid once every year.
Insurance premium for certain high drug costs.
During the insurance period, if the insured is diagnosed as a specific disease by a specialist appointed by a hospital above the second level in Shanghai, and a prescription is issued, and the drugs listed in the Catalogue of Certain High-priced Drugs are purchased in the outpatient department of the hospital above the second level in Shanghai or a pharmacy qualified to sell drugs in Shanghai, and the drugs meet the indications, 70% of the drug expenses incurred by the insured will be paid by the non-previous patients and 30% by the previous patients.
If some drugs in the list of high-priced drugs involve charity assistance, they shall be implemented according to the charity assistance plan, and the expenses of drugs rescued by charitable organizations shall not be included in the payment scope of this product.
When buying some high-priced drugs in special pharmacies, you can have direct payment and door-to-door delivery services.
Proton and heavy ion medical insurance premium
During the insurance period, if the insured receives proton and heavy ion therapy in a medical institution with the qualification of proton and heavy ion therapy for malignant tumor in Shanghai, the reasonable and necessary expenses for positioning and making radiotherapy plan, as well as the expenses for implementing proton and heavy ion radiotherapy (excluding bed fees, chemotherapy fees, etc.) shall be borne by non-previous patients and 30% by former patients.
The total amount of proton and heavy ion medical insurance money paid by the insurance company to the insured is limited to 300,000 yuan.
But before you buy, you must remind two things:
First, Huhuibao is only suitable for three kinds of people, and people with poor health, over-age and high-risk occupations cannot buy millions of medical insurance;
Second, the money in the medical insurance card is also your own money! Spend money carefully and confirm the necessity!