Xin Yanbao 2021 accompanied a friend to take her son to United Family Hospital for medical treatment last weekend. As soon as I entered the door, I thought it was a hotel, and it was a five-star one;
This is medical treatment The environment is not like coming to see a doctor, it's like coming for a vacation~ It's really expensive, the registration fee alone costs 1,000, and a CT scan costs more than 6,800... Sister He tells you, there is a medical insurance that can Expenses reimbursed by high-end medical institutions are as low as 3,999 yuan a year! New Yanbao 2021 high-end medical insurance can do it! And the private medical institutions it cooperates with are not only United Family, but also Jiahui, American China Yihe, Zhuozheng, New Century and other hospitals do not have the most high-end, only higher-end! Children’s outpatient and emergency hospitalization expenses are all reimbursed! All aspects are guaranteed! Today, Sister He will introduce to you this high-quality children’s high-end medical insurance-Xinyanbao 2021!
The following is divided into 2 parts: 1. How is the protection of New Yanbao 2021? 2. Is the insurance company reliable?
1. How is the protection of New Yanbao 2021? First come Take a look at the coverage of Xinyanbao 2021:
Moms and dads can buy it for their children aged 0-17, with a guarantee period of 1 year; Xinyanbao 2021 can reimburse outpatient, emergency and hospitalization expenses Medical expenses, both within the scope of social security and outside social security, can be reimbursed~ There is a 30-day waiting period for inpatient medical treatment, but there is no waiting period for outpatient and emergency medical treatment. The scope of hospitals covered by Xinyanbao 2021 includes: general departments and special needs departments of second-level and above public hospitals, and designated private hospitals (including well-known high-end medical institutions such as Meizhong Yihe, Zhuozheng, United Family, and New Century).
New Yanbao 2021 is divided into Plan 1 and Plan 2. The main differences are the different hospitalization reimbursement amounts and the range of medical hospitals. Plan 2 has more expensive medical institutions such as United Family and New Century; both can choose to upgrade. Plan, dental protection; Xinyanbao 2021, the cheapest for those aged 7-17, buying plan one is 3,999 yuan/year, buying plan two is 7,999 yuan/year.
Next, let’s take a look at the protections:
1. Inpatient medical care_Plan 1: The maximum reimbursement is 300,000 per year, with a deductible of 10,000. Public hospital special needs department: 80 can be reimbursed for the general department of public hospitals. Private hospitals: 100 can be reimbursed _Plan 2: Up to 500,000 can be reimbursed in 1 year, with a deductible of 10,000. Special needs departments of public hospitals and New Century Hospital: 80 can be reimbursed. General departments of public hospitals and private hospitals: 100 can be reimbursed. Reimbursable expenses Including: treatment fees, surgery fees, ICU fees, radiotherapy fees, transplant fees, etc.; The bed fee can be reimbursed up to 1,200 yuan/day, and up to 90 days of rehabilitation treatment and professional nursing fees can be reimbursed in one year; and up to 2,000 yuan can be reimbursed. Transportation subsidy for medical treatment in other places (only for the insured)~
2. Xinyanbao can reimburse up to RMB 50,000 for outpatient and emergency medical treatment in 2021, without social security reimbursement;
The first 5 times For outpatient and emergency services, the special needs department of public hospitals will reimburse 80 RMB, and others will reimburse 100 RMB;
After 20215 visits to Xinyanbao, only 50 can be reimbursed; Expenses reimbursable for Xinyanbao in 2021 include doctor’s diagnosis and treatment fees, prescription drug fees, and examinations fees, laboratory tests, radiotherapy, and chemotherapy; acupuncture, homeopathy, physiotherapy, and traditional Chinese medicine treatment, a maximum of 1,500 yuan/2,500 yuan can be reimbursed in one year; the purchase or rental of durable medical equipment, a maximum of 1 year can be reimbursed 10,000~ Children have weak immunity and are prone to fevers and colds. They have to go to the hospital every two days, and there are long queues in the outpatient and emergency departments of public hospitals. They have to spend money and suffer;
I bought Xinyanbao 2021 , you can go to high-end medical institutions, skip the queues for medical treatment, and get full reimbursement! Let your children enjoy the best medical services!
3. Optional upgrade plan. If you feel that the above basic protection is not enough, you can also Upgrade protection with additional fees~ After the upgrade, the hospitalization deductible is reduced from 10,000 yuan to 0 yuan! Outpatient and emergency medical treatment can be reimbursed up to 50,000/100,000 yuan in one year, with no limit on the number of times! Outpatient operating room and recovery room fees, outpatient clinic fees are also added Surgeon's fees and anesthetist's fees can only be reimbursed once ~ 3,000 yuan is required to upgrade plan one, and 4,000 yuan is required to upgrade plan two.
4. The optional dental insurance can also add 3,200 yuan of dental insurance to the child. It can be used at Hexin, Ward, and United Family Hospitals, and can be reimbursed up to 4,000 yuan in one year; the following expenses can be reimbursed:
Jie He felt that this dental insurance was not cost-effective. She spent 3,200 yuan, but the maximum reimbursement was only 4,000 yuan, and many expenses were not reimbursed in full, so it was not recommended to add it.
5. What are the advantages and disadvantages? Taken together, Xinyanbao has 6 advantages: 1. Exclusively for children. They can be insured individually after they are 30 days old. Many high-end medical insurances must be bundled into one large and one small. There are no restrictions on Xinyanbao's insurance coverage; 2. Comprehensive coverage for hospitalization, outpatient and emergency services, and reimbursement for general departments, special needs departments, and designated private medical institutions in secondary and above public hospitals; 3. Cooperating with high-end private medical institutions across the country regions, Shanghai, Beijing, Shenzhen, Guangzhou, Chongqing, Chengdu, Wuhan, etc.; direct payment is also free of cash. The insurance company settles directly with the hospital without having to pay in advance, which greatly improves the medical experience! 4. No waiting period for outpatient and emergency medical treatment , buy it today and use it tomorrow, helping parents save a lot of money; 5. The price is reduced by 2,000 yuan for children aged 7-17! Take Plan 1 as an example. Last year, all age groups had to pay 5,999 yuan/year; now children aged 0-6 The price remains the same when insured; for children aged 7-17, it only costs 3,999 yuan/year! 6. There are many benefits. If you buy Xinyanbao, you can enjoy free benefits such as health examinations and vision screenings! Different hospitals have different benefits~ If If you buy in a group, the price as low as 3,999 yuan can also include the United Family Clinic! Interested friends, scan the QR code below to join the order! Xinyanbao 2021 also has two disadvantages: 1. It is only guaranteed for 1 year. , pay one premium to guarantee 1 year, no guarantee of renewal, renewal conditions are unstable; 2. The insurance amount is not high, the maximum reimbursement for inpatient medical treatment is 300,000/500,000 per year, and the maximum reimbursement for outpatient and emergency medical treatment is 50,000 per year (plan 2. After upgrading, it can be reimbursed 100,000); it is only enough to reimburse the cost of some minor illnesses, but it is far from enough to treat serious illnesses. Especially in private medical institutions, the cost is expensive and the reimbursement limit will be exceeded in minutes.
2. Is the insurance company reliable? Xinyanbao 2021 is underwritten by Tianan Property Insurance and has 33 branches, 263 prefecture-level sub-branches and 944 branch-level business outlets;
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The 2021 China Banking and Insurance Regulatory Commission’s assessment results of its solvency:
Comprehensive solvency adequacy ratio: 237.24 (100 is qualified)
Comprehensive risk rating: Undisclosed Tianan The property and casualty insurance is strong, the company is large, and the solvency is excellent. You can buy it with confidence~
3. Written at the end of Xinyanbao 2021, the protection is comprehensive, and all hospitalization and outpatient and emergency medical expenses can be reimbursed; cooperative There are many high-end private medical institutions located in many regions across the country, and they also have direct payment services, so you can enjoy a better medical experience; Xinyanbao 2021, apart from being expensive, is excellent! Parents with sufficient funds can arrange it for their children and save money. Save time and effort!