1. Medical expenses that have been settled by medical insurance for medical treatment in the city: one-stop settlement will be completed at the hospital's medical insurance window, and the customer does not need to report to the insurance company to submit the information again.
2. Medical expenses for medical treatment in other places, specific out-of-hospital self-paid drug expenses, and medical expenses not settled by medical insurance.
"Chongqing Chongqing Yu Express Insurance" is supervised and guided by Chongqing Municipal Bureau of Medical Protection and Chongqing Banking and Insurance Supervision Bureau, with 10 commercial insurers*** underwriting the insurance, Shanghai Insurance Exchange providing operational support, Tencent Microinsurance providing a platform for promoting and operating the insurance, CPSU and Weining Technology providing technical services, and Alipay providing channel cooperation. Adhering to the positioning of government guidance, policy support, insurance handling, and inclusive services, and following the principles of customized services with wide coverage, multi-level treatment protection, sustainable guidance and supervision, and standardized operation and marketization, the company has added a new price-appropriate, easily accessible, and accessible supplemental medical insurance protection for the people of Chongqing on the basis of the basic medical insurance, large-scale catastrophic insurance, and medical aid.
Chongqing YU Express Insurance is an effective supplement to the basic medical insurance, which can provide Chongqing basic medical insurance participants with an additional guarantee for out-of-pocket and self-payment expenses inside and outside the directory of inpatient and outpatient medical insurance for special diseases in addition to the basic medical insurance. Participants of Chongqing basic medical insurance (including urban workers and urban and rural residents) can join the insurance without any restrictions on household registration, age, occupation and health status. Chongqing YU Express Insurance mainly covers out-of-pocket expenses within the scope of inpatient and outpatient medical insurance for special diseases (including Category B out-of-pocket expenses, including excess expenses other than the limit of medical consumables), out-of-pocket expenses outside the scope of inpatient and outpatient medical insurance for special diseases, and specific out-of-pocket expenses for out-of-hospital medicines. The product design is divided into two types of protection programs: RMB 69 universal and RMB 169 upgraded, with a maximum reimbursement rate of 80% for the upgraded model.
Chongqing YU Express Insurance is not limited to any health condition, no medical examination is required, as long as you are a basic medical insurance participant in Chongqing and are insured (including urban workers and urban and rural residents), you can enroll in the insurance. People with pre-existing conditions can be insured, but the benefit percentage is lower than that for people with new diseases. The benefit ratio for the "universal" new-onset and pre-existing patient groups is 55% and 10% respectively; the benefit ratio for the "upgraded" new-onset and pre-existing patient groups is 80% and 30% respectively.