Many of my friends have chatted with me privately, wanting to know how the coverage of Qindao ePolicy really works.
Schoolmates are here to give you a good evaluation.
Before we start the introduction, I'd like to give you a guide to avoiding the pitfalls of buying a medical insurance policy:
Please be careful when you come across these medical insurance policies!
I. Is the coverage of Qindao ePolicy good?
Sister has set up a product infographic for you to get to know the Qindao eBaoTech:
Qindao eBaoTech
Through the infographic, we know that Qindao eBaoTech has the following coverages: supplemental hospitalization coverages, outpatient chronic illnesses, medicines for hospitalization outside of the insurance policy, and some special medicines and special treatments. The medical expenses for hospitalization, medicines purchased outside the medical insurance, and some special medicines and special medical consumables are also covered.
There are so many elements of coverage, I wonder if it is practical? Then the school sister to explain it!
1. Support the balance of medical insurance to pay premiums for the whole family
Qindao e-insurance is Qingdao Municipal Medical Protection Bureau and Qingdao Municipal Banking and Insurance Supervision Bureau together, can be said to be a preferential policy, you can use your own medical card to pay the premiums, whether it is for their own payment or family members to pay it is also possible. The company's website is a very convenient place to get the latest information about the company's products and services.
If a year less sick, the balance of the medical insurance card is not used up, you can buy a good qindao e insurance medical insurance ah, so that put aside the medical insurance card can become practical.
And the Qindao e-insurance not only allows the balance of the individual account of the medical insurance to bear its own premiums, but also covers the premiums for the family members, so that the medical insurance card can no longer be used separately, which is simply convenient and practical.
2. The biggest advantage of the e-insurance policy is that it does not limit the policyholder's occupation, physical condition, age, or history of illness, and there is no need for a medical examination, which is simply too lenient.
Whether it's an elderly person with a medical condition or a child with a congenital disease is not our concern, everyone has the right to choose Qindao ePolicy medical insurance. This is very competitive with many commercial medical insurance in the market.
3. One-stop settlement and fast payout
Since Qingdao's joint governmental offer in 2021 includes Qindao e-insurance, there is no waiting period for subsequent renewals for anyone who takes out an insurance policy this year.
Patients only need to receive treatment at a fixed medical institution, and after discharge they can directly handle the settlement reimbursement, which all of us find it convenient, without the need to submit claims to insurance companies.
People who don't know much about the waiting period can read this article:
"Waiting period insurance company will not pay? If you don't know it, you'll be in big trouble!
There is one thing that you need to pay attention to, the prerequisite to be able to enroll in Qingdao e-insurance is that you need to enroll in Qingdao city urban workers' basic medical insurance and urban and rural residents' basic medical insurance first.
4. High claims threshold
Qindao eBaoTech is naturally not perfect, and one of its shortcomings is its high claims threshold, which is higher than the normal level of many medical insurance policies.
While this is a maximum coverage of $3 million, Qindao ePolicy sets deductibles within each of its coverage responsibilities, and the deductible thresholds are all very high.
The hospitalization supplemental medical insurance + outpatient slow special disease expense protection deductible a **** 18,000 yuan, the hospitalization drug supplemental expense protection and special medicine / special medical supplies medical insurance 20,000 deductible is calculated separately.
The high deductible also means that the threshold for people to claim is higher, if you want to let the Qindao e-insurance to reimburse a few thousand dollars of medical expenses, which is very difficult.
Is it advisable to buy the Qindao e insurance?
In all respects Qindao ePolicy is better, the cost of hospitalization outpatient slow special illnesses and the cost of special medicines and special materials are added to the scope of coverage, and the protection is also very comprehensive. And it's pretty cost-effective because you only need to pay 139 yuan to enjoy 3 million yuan coverage.
If there is a health problem that prevents you from taking out another million dollar medical insurance policy, and there is such a thing, the Qindao eMedicare medical insurance serves to reinforce the coverage, and this is a great option.
Schoolmarm suggests that those who are in good health to consider other multi-million medical insurance, multi-million medical insurance deductible is only about 10,000, not so high.
Unusual multi-million dollar medical insurance can provide 100% reimbursement after social security accounting, the qindao e-insurance can only reimburse up to 70%, this aspect is really much lower.
If you are interested in taking out an insurance policy with Qindao eBaoTech, we recommend that you call your local health insurance bureau in advance to make a consultation, and you can send a private message to me.
Below I have consolidated a few of this year's hot-selling insurance products for you, want to know more about million-dollar medical insurance, you can take a look:
"Top 10 million-dollar medical insurance rankings freshly released!
Written in the end
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