Chongqing Yu fast insurance is a medical insurance, is incurred to meet the requirements of the medical expenses, you can pay money insurance.
It's positioned as a supplement to the medical insurance, which means that it can pay for the part that the medical insurance doesn't cover.
Let's take a look at the situation of medical insurance. According to statistics, in 2019, the number of people participating in medical insurance in the country is as high as 1.354 billion people, of which 329 million people have employee medical insurance, and 1.025 billion people have residential medical insurance. Resident health insurance accounts for as much as 75.7%, especially for the generation of parents after 80 and 90 years. Then let's take a look at our parents, if there is a resident health insurance, the specific reimbursement is how:Because 2022 Chongqing resident health insurance reimbursement standards have not yet been announced, we take 2021 as a reference.
The national health insurance, the compensation is within the scope of health insurance costs, such as Class A, Class B drugs & medical equipment, through the collective bargaining into the health insurance of cancer special drugs, etc.. If you are hospitalized and want to go to a better hospital, that is, a tertiary hospital, the third level of the starting line of 800 yuan, the first class contribution to pay 40%, the second class contribution to pay 50%. In other words, the cost of health insurance, there will be a sizable portion, is the need for patients to pay out of pocket to solve the problem. In addition, the costs not covered by health insurance, that is, non-medical costs, also need to pay out of pocket. So, if you're looking for the best way to get your money's worth, you'll have to pay a lot of money for it. Next, let's take a look at the details of the coverage. There are two types of YU Express Insurance, the $69 universal version and the $169 upgraded version.Universal:Medicare covered expenses, annual deductible 15,000, reimbursement for new onset of illnesses 55%, and reimbursement for pre-existing patient populations 10%, coverage 1.5 million;
Non-Medicare Expenses, Annual Deductible 0.5 million, Reimbursement for New Patient Population 55%, Reimbursement for Previous Patient Population 1.5 million. The previous patient group will be reimbursed 10%, with an insured amount of 1.5 million;
"new onset of the population": refers to people who have not been entitled to the Chongqing Employees' Large Medical Insurance or Residents' Large Medical Insurance in the two years prior to the date of application for the insurance. or resident's major medical insurance benefits within two years prior to the date of enrollment.
"Previously ill": refers to those who have been covered by Chongqing Employees' Large Medical Insurance or Chongqing Residents' Large Disease Insurance in the two years prior to the date of enrollment.
Upgrade:Medicare Expenses, Annual Deductible 15,000, Reimbursement of 80% for new patients, and 30% for previous patients. 30%, coverage 1.5 million;
Out-of-Policy Expenses, annual deductible 0.5 million, reimbursement of 80% for new patient populations, previous patient populations. The previous patient group reimbursement 30%, coverage 1.5 million;
The universal version and upgrade the deductible is the same, the difference is in the payout ratio, the universal version is 55%/10%, the upgrade is 80%/30%, the upgrade of 169 yuan / year than the universal version of the $ 100 more expensive, the payout is better, the more worthy of buying. The first thing you need to do is to buy a new one. In addition, the upgraded model also includes the responsibility of out-of-hospital special drugs, many drugs for cancer treatment, due to the expensive price, the drug ratio assessment and other factors, the hospital may not be stocked.Nayu Express Insurance for 31 kinds of tumor special drugs and 11 kinds of rare disease special drugs, in the hospital outside the purchase of drugs, also can be paid.
Out-of-hospital special medication costs (purchased medication), 0 deductible, reimbursement of 80% for new cases, 30% for previous cases, and coverage of 500,000. .
Specialty Drugs List: Here are two examples of specific claims:
Claims Example One ---- universal, new-onset population
A A patient with heavy craniocerebral injury due to an accident, hospitalized in a tertiary hospital, with a total medical cost of 100,000 yuan, 50,000 yuan for Class A items***, 5,000 yuan for Class B drugs, 10,000 yuan for Class B diagnosis and treatment, 5,000 yuan for consumables exceeding the standard (including 3,000 yuan for materials exceeding the standard), and 30,000 yuan for all out-of-pocket expenses (including 10,000 yuan for all out-of-pocket expenses for supplies), enrolled in YUXIHAO Insurance (Universal Edition), and did not enjoy large amounts of catastrophic insurance benefits for the two years prior to enrollment in the insurance. The first two years of participation in the insurance did not enjoy the treatment of large amounts of major medical insurance. Ans: The starting line for residents' medical insurance first class, hospitalization in the third-class hospital is 800, the reimbursement rate is 40%, the two years before the insurance did not enjoy the treatment of large amount of big disease insurance, belonging to the new morbidity group of people with a reimbursement rate of 55% of the Yu Express Insurance. 1 medical insurance directory of medical expenses = total medical expenses 100,000 - full out-of-pocket expenses of 30,000 = 70,000; 2 residents of the medical insurance co-ordination reimbursement = (70,000 - the starting line of 800 - Class B drugs out-of-pocket payment of 5,000 × 10% - Class B diagnostic out-of-pocket payment of 10,000 × 20% - excess out-of-pocket payment of 5,000) × 40% = 24,680 3 residents of major illnesses supplemental reimbursement = ( 70,000 - 24,680 reimbursement for medical insurance - 14,460 starting line for major diseases) × 60% = 18,516; Individual out-of-pocket expenses within the scope of medical insurance after reimbursement by the medical insurance (excluding overruns) = 70,000 - 24,680 reimbursement for medical insurance - 18,516 reimbursement for major diseases - overruns of 3000 for consumables = 23,804; 4YuQiPao (universal) reimbursement for out-of-pocket expenses = (within the medical insurance) Out-of-pocket reimbursement 23804 - deductible 15000) x 55% = 4842.2; 5Yu Express Insurance (universal) non-Medicare out-of-pocket reimbursement = (in addition to consumables out-of-pocket 20,000 - deductible 5000) x 55% = 8250; According to the example, the total cost of 100,000 residents of patients with medical insurance residents of the medical insurance can be reimbursed normally 43,196 yuan, the Yu Express Insurance can continue to supplement the benefits 13092.2 yuan,*** counting reimbursement of 55,188.2 yuan, and ultimately the patient's own responsibility for 43,711.8 yuan.Claims example two ---- upgraded paragraph, the new onset of the population a participate in the residents of the medical insurance first class due to an accident caused by a heavy craniocerebral injury patients, the three hospitals hospitalized, the total medical costs 100,000, the class A project *** count 50,000, the class B drugs 5,000, the class B diagnosis and treatment 5,000, consumables overrun 5,000 10,000, consumables exceeded 5,000 (including 3,000 consumables exceeded), all out-of-pocket expenses 30,000 (including 10,000 all out-of-pocket expenses consumables), participate in the Yu Express Insurance (upgraded), the first two years of participation in the insurance did not enjoy the treatment of large amounts of major medical insurance.
Ans: The starting line for residents' medical insurance first class, hospitalization in the third-class hospital is 800, the reimbursement rate is 40%, the two years before the insurance did not enjoy the treatment of large amount of big disease insurance, belonging to the new morbidity crowd Yu Express Insurance reimbursement rate of 80%. 1 medical expenses within the directory of medical insurance = total medical expenses 100000 - full out-of-pocket expenses 30000 = 70,000; 2 residents of medical insurance co-ordination reimbursement = (70,000 - the starting line of 800 - first out-of-pocket payment of 5000 × 10% - 10,000 × 20% - exceeding the standard of 5000) × 40% = 24,680; 3 residents of the major illness supplemental reimbursement = ( 70,000 - 24,680 reimbursement of the integrated health insurance - 14,460 starting line for major diseases) × 60% = 18,516; After the reimbursement of the health insurance, the individual out-of-pocket expenses within the scope of health insurance (excluding the excess) = 70,000 - integrated reimbursement of 24,680 - reimbursement of 18,516 for major diseases - the excess of 3,000 for consumables = 23,804; 4YuQiuJiaJi (upgraded) reimbursement of out-of-pocket expenses within the scope of health insurance = ( 23804 - 15000 deductible) x 80% = 7043.2; 5Yu Express Insurance (upgrade) non-Medicare out-of-pocket part of the reimbursement = (in addition to the consumables out-of-pocket expenses 20000 - deductible 5000) x 80% = 12000; According to the example, the total cost of 100,000 residents of the patient's medical insurance residents of the medical insurance can be reimbursed normally 43,196 yuan, the Yu Express Insurance can continue to supplement the benefit 19043.2 yuan,*** counting reimbursement of 62,239.2 yuan, and ultimately their own responsibility for 37,760.8 yuan. The claims case is a bit of a brain burner, there are questions you can leave in the comments, Dong will come to answer when he has time. From the above examples, we can see that YU Express Insurance can supplement the medical expenses to a certain extent, reduce the burden of individuals, and target specific groups of people, it is very worthwhile to take out insurance.Insurance Advice What kind of people are suitable to buy Chongqing Yufeng Insurance?
First is the elderly group.They're the ones who have to pay for their own health care, and they're the ones who have to pay for their own health care, and they have to pay for it.
The other is that the price of a million dollars for the elderly is more than a thousand dollars, and low-income families may not be able to afford it. Next is the diseased population. It is also because of the physical reasons that will be rejected by other commercial medical insurance.People in high-risk occupations. Most of the medical insurance requires 1 to 4 types of occupations, construction, machinery and other high-risk jobs, can not buy.
Chongqing Yu Express Insurance is not limited to occupation, age, or health status. Anyone who is insured by Chongqing Medical Insurance can take out insurance. You can insure yourself, your spouse, your parents, your children, and your whole family, and you can use your personal health insurance account to pay the premiums. It is recommended that anyone who meets the above criteria should have a copy of the plan.How to buy: Method 1: After paying attention to the "Chongqing Chongqing Chongqing Express Insurance" WeChat public number, click on the menu bar at the bottom of the "Insurance Entrance", you can quickly enroll in the insurance online.