Senior, I will give you a good evaluation.
Before the formal introduction, Senior Sister presents a pit avoidance strategy for buying medical insurance:
Please be careful when you encounter these medical insurances! 》
First, is the protection of Qindao E-insurance good?
Sister Xue built a product information map for everyone to understand Qindao E Bao:
Qindao e Bao
From the pictures, we know that the coverage of Qindao E-insurance includes: supplementary medical insurance for hospitalization, outpatient expenses for chronic diseases and special diseases, expenses for purchasing medicines for hospitalization outside medical insurance, some special medicines and special medical consumables.
There are so many contents in the guarantee, I wonder if it is practical? Then senior to explain!
1. Support the balance of medical insurance to pay premiums for the whole family.
Qindao e-insurance is jointly launched by Qingdao Medical Insurance Bureau and Qingdao Banking Insurance Bureau, which can be said to be a preferential policy. You can use your own medical insurance card to pay the premium, which is very convenient for yourself or your family.
If you are sick for one year and the balance of the medical insurance card is not used up, you can buy a Qindao e-insurance card to make the medical insurance card put aside practical.
Moreover, Qindao e-insurance can not only make the balance of medical insurance personal account bear its own premium, but also bear the premium for family members, so that the medical insurance card is no longer used alone, which is simply convenient and practical.
2. Adhere to the "four unlimited"
The biggest advantage of Qindao E-insurance is that it doesn't limit the occupation, physical condition, age and medical history of the insured, and it doesn't need physical examination. It's simply too loose.
Neither the elderly with physical diseases nor the children with congenital diseases are the focus of our attention. Everyone has the right to choose Qindao E-insurance medical insurance. This is very competitive compared with many commercial medical insurance on the market.
3. One-stop settlement and fast payment
Because the preferential products jointly launched by Qingdao government on 202 1 include Qindao e-insurance, there is no waiting period for this year's and subsequent renewal.
Patients only need to receive treatment in a fixed medical institution, and can directly apply for settlement and reimbursement after discharge. We all feel very convenient and don't need to submit claims materials to the insurance company.
For those who don't know much about the waiting period, you can read this article:
"The insurance company will not lose money during the waiting period? If you don't understand, you will suffer a big loss! 》
One thing you need to pay attention to is that the premise of being able to insure Qindao E-insurance is to normally participate in Qingdao's basic medical insurance for urban workers and basic medical insurance for urban and rural residents.
4. The claim threshold is high
Qindao e-insurance is not perfect, and one of its shortcomings is that the threshold for claims is high, which is higher than the normal level of many medical insurances.
Although the maximum amount of insurance is 3 million, Qindao E-insurance has set deductibles in various protection responsibilities, and the threshold of deductibles is very high.
The deductible line of inpatient supplementary medical insurance+outpatient chronic and special disease expense guarantee is 1.8 million yuan, and the deductible lines of inpatient supplementary medical insurance and special medicine/special medical consumables medical insurance are 20,000 yuan respectively.
The high deductible means that the threshold for everyone to claim compensation is higher. If you want Qindao E-insurance to reimburse thousands of dollars for medical expenses, it is very difficult.
2. Do you recommend buying Qindao E-insurance?
From all aspects, Qindao e-insurance is better, and the expenses of chronic diseases and special diseases, as well as special drugs and materials, have been included in the scope of protection, and the protection is also very comprehensive. And the cost performance ratio is quite high, because you only need to pay 139 yuan to enjoy the insurance coverage of 3 million yuan.
If there is something wrong with your health, you can't insure other millions of medical insurance. In this case, the role of Qindao E-insurance medical insurance is to strengthen the protection. This is a good choice.
Senior suggested that those who are healthy can consider other million medical insurance, and the deductible of most million medical insurance is about 10000, which is not that high.
Ordinary million medical insurance can provide 100% reimbursement after social security accounting, and Qindao e-insurance can only reimburse 70% at most, which is really much lower.
If you are interested in Qindao e-insurance, it is recommended to call the local medical insurance bureau for consultation in advance, and you can send a private message to your senior sister.
Below, I have integrated several insurance products that are selling well this year. If you want to know more about millions of medical insurance, you can have a look:
Ten million medical insurance rankings are freshly released! 》
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