What does 1 ... cover?
Hospitalization medical expenses within the scope of medical insurance: if it exceeds 6,543.8+0.5 million, it will be reimbursed according to the proportion of 80%, with the upper limit of 6,543.8+0.5 million, and the previous diseases will not be compensated;
Hospitalization medical expenses other than medical insurance: 50% for the excess 1.5 million, with the upper limit of 1 million, and no compensation for previous diseases;
Expenses for 50 kinds of special drugs: there is no out-of-pocket limit, 80% for healthy people and 20% for people with previous diseases, and the upper limit is 1 10,000.
Second, with medical insurance, is it necessary to buy insurance?
Medical insurance is a necessary condition for buying Hebei, and medical insurance in Hebei is a necessary condition for buying Hebei. Ji and medical insurance are complementary, not substitutes. For some people who are older or have more physical problems, you can start with a copy of Ji Bao Hui as a supplement to medical insurance. 79 yuan is still relatively affordable for one year.
However, due to certain restrictions on the deductible line and reimbursement ratio of Kyrgyzstan, such as expenses other than medical insurance, only 50% can be reimbursed after deducting the deductible line, and the role it can play is still relatively limited, especially in the face of some serious illnesses and serious illnesses, which may lead to relatively high expenses other than medical insurance, and it is difficult for Kyrgyzstan to cover them all.
Therefore, if you are young, healthy and have the opportunity to buy millions of medical insurance, it is recommended to spend more than 100 yuan, giving priority to buying millions of medical insurance. The deductible of millions of medical insurance is usually only 6.5438+0 million, and there are no internal and external restrictions on diseases and medical insurance. The coverage is wider and the reimbursement amount is higher. For example, hospitalization costs 200,000 yuan, and after medical insurance reimbursement costs 6.5438+0.3 million yuan.
However, there is a certain threshold for buying millions of medical insurance, so we should do a good job of health notification. If the health situation is complicated, you may not be able to buy it because the health notice fails. At this time, you can choose some million medical insurance with relatively loose health notification for further underwriting. If you are worried that you are prone to make mistakes, or don't know how to give health advice, it is recommended to operate under the guidance of professionals.