Fujian Huiminbao is not a scam.
Huiminbao's monthly fee is not very high. However, the benefit is that it can be directly reimbursed both inside and outside the health insurance. In addition there is no limit to age, no limit to occupation, no limit to health status, with medical insurance can buy. Huimin Bao is true, the product is an exclusive Fujian Province, the people of medical insurance products, customized for Fujian Province, the basic health insurance participants. This product is jointly underwritten by eight insurance companies.
Huiminbao has PICC, China Life, Ping An Property and Casualty, China United Property and Casualty, Xinhua Life, PICC Health, Taikang Pension, and Taiping Property, of which PICC and China Life are the main underwriters. These insurance companies are all regular domestic companies, and they are all companies we are more familiar with, underwritten by these insurance companies, the authenticity of the product is not to be doubted.
Precautions for buying insurance
1, critical illness insurance: In addition to the treatment costs of critical illnesses, there are also the costs of subsequent rehabilitation and medical examinations, loss of income, and nursing costs. Critical illness insurance is mainly used as compensation for loss of income, and it is recommended that the amount of critical illness coverage be 5-10 times the annual income. General critical illness insurance is diagnosed or implementation of a certain operation or the body to reach a certain state of early payment.
2, medical insurance: it is recommended to configure the reimbursable million medical insurance + fixed payment type of hospitalization allowance insurance. Medical insurance is cost reimbursement type, is of a reimbursement nature, that is, how much to spend how much to report, there is a maximum reimbursement limit each year, buy this insurance is mainly to make up for the medical costs during hospitalization, that is, to the hospital treatment of the money.
Refer to Baidu Encyclopedia-Huiminbao for more information