"Chongqing Chongqing Express Insurance" takes "four unifications, three guarantees, two connectivity and one opening" as the core, and strives to solve the urgent needs of the masses and truly benefit the people, the people and the people.
"One account" refers to opening a personal account for medical insurance for urban workers, which is used to pay for mutual assistance with families. The insured group of employee medical insurance can use the balance of personal account to buy insurance for themselves, parents, spouses and children, give full play to the function of personal account, make overall plans and help each other, and ensure health.
"Two connections" means that in terms of participation, all participants in the basic medical insurance are connected, and there are no restrictions on participation such as age, occupation and health status. Different groups of people are insured according to the unified rate standard, which can better solve the problem that ordinary commercial health insurance benefits little, especially the old, weak, sick and disabled people are difficult to get protection; In terms of claims, basic medical insurance is connected to achieve one-stop settlement. When the patient is discharged from the hospital, the basic medical insurance and Chongqing Express Insurance will be settled simultaneously to solve the problem of "paying for medical treatment and running errands".
"Triple protection" means that the protection scheme covers the medical expenses in the medical insurance catalogue, and also includes self-funded drugs and self-funded medical expenses outside the medical insurance catalogue. The upgraded fund also includes 19 common malignant tumors and1/rare diseases, and 3 1 new and special drugs. The out-of-pocket expenses in the medical insurance catalogue are only10.5 million yuan, and the out-of-hospital special drug guarantee of the upgrade fund is zero, which is the lowest among similar cities in China and benefits a wider range of people to the greatest extent.
"Four unifications" unify insurance standards, insurance rates, insurance schemes and operating platforms, coordinate insurance windows, premium management and payment settlement, provide standardized handling services, improve security service capabilities and risk tolerance, and maximize medical premiums.
The person in charge said that the launch of Chongqing Chongqing Express Insurance is an important measure to promote the development of supplementary medical insurance and the construction of multi-level medical security system in Chongqing. It is a concrete practice to promote the coordinated development of basic medical insurance and commercial insurance and build a medical insurance governance pattern of "* * * enjoyment, * * * construction and * * * governance". It is an important project to promote the prosperity of * * * and realize the harmonious development of society, which will effectively benefit all insured persons, provide diversified and multi-level medical security for the people, and further enhance the people's sense of gain.
Related Q&A: Chongqing Express pays a handling fee of about 0.8% of the merchant's payment code rate. Chongqing Express Payment is a barcode payment receipt business launched by Chongqing Rural Commercial Bank. As for the handling fee that we are most concerned about, we consulted Chongqing Rural Commercial Bank. The customer service said that the handling fee paid by Chongqing Express is charged according to a certain proportion of the amount of a single transaction, and there are no other fees for the time being. The charging ratio is based on the standard agreed with the merchants when applying for Chongqing Express Payment Service.