How about China Medical Insurance of Xinhua Life Insurance?

I believe many people have thought of buying a critical illness insurance for themselves, but once they have consulted the insurance salesman, they think it is too expensive. At this time, they hope that some alternative products will make a transition and supplement the critical illness insurance when the economic conditions are better. In fact, this method is not impossible, and high medical insurance can play such a role. Today, I'm going to introduce you to a product called Gradually Kanghuagui A Medical Insurance.

China Medical Insurance is the early high medical insurance of Xinhua Life Insurance Company, which is sold as additional insurance in most areas and cannot be insured separately. Some provinces can be insured separately, and you need to consult the local insurance salesman for details.

As we all know, when using social security for reimbursement, many drugs are self-funded drugs, and social security cannot be reimbursed. The biggest highlight of Kanghuagui A is that it can reimburse all medical expenses, no matter how expensive the hospital is or how expensive the medicine is. And on the premise that the social security has been reimbursed, the reimbursement ratio of Gradually Kanghuagui A is 100%.

There are two options to choose from when insuring Kanghuagui A, which is different from insuring critical illness insurance. Critical illness insurance needs to determine its own insurance coverage, and gradually Kanghuagui A can only choose Scheme I or Scheme II. Most people basically buy scheme 1, because in contrast, scheme A seems to be more cost-effective and cost-effective.

The protection contents of Step-by-Step Luxury Plan A are as follows:

Special outpatient medical treatment: 40,000 yuan/year

Hospital operation fee: up to 200,000 yuan/year.

Chemotherapy and radiotherapy for cancer: up to 200,000 yuan/year.

Other hospitalization expenses: up to 200,000 yuan/year.

Bed fee and meal fee: maximum 500 yuan/day.

The deductible of Step-by-Step Luxury Plan A is 5,000 yuan, which can be reimbursed in the national second-class and above hospitals. For the part above 5,000 yuan, 100% has social security reimbursement, and 80% has no social security reimbursement.

The coverage of Phase II of Step-by-Step Luxury Scheme A is as follows:

Special outpatient medical treatment: 60,000 yuan/year

Hospital operation fee: up to 300,000 yuan/year.

Chemotherapy and radiotherapy for cancer: up to 300,000 yuan/year.

Other hospitalization expenses: up to 300,000 yuan/year.

Bed meal fee: maximum 1000 yuan/day.

The deductible of Step-by-Step Luxury Plan A is RMB 65,438+00,000, which can be reimbursed in domestic secondary and above hospitals, including Special Needs and International Department. For the part above 5,000 yuan, 100% has social security reimbursement, and 80% has no social security reimbursement.