1, calculated according to the medical expenses deductible line:
Nantong medical insurance is obviously lower than Jiangsu medical insurance, and the hospitalization inside and outside the medical insurance catalogue is 8,000 yuan/time, but Jiangsu medical insurance 1 is at its own expense1-20,000 yuan. In contrast, Nantong medical insurance is easier to get reimbursement;
2. Judging from the reimbursement of people with past diseases:
The public welfare of the two products is relatively strong, that is, seriously ill patients can also pay a certain fee, but the reimbursement ratio is different. Judging from the reimbursement, Jiangsu Medical Bao Hui 1 is only 10% less than that of non-previous patients, that is, it can reimburse 67% at most, which is relatively strong.
3, from the perspective of safety responsibility:
Medical insurance Nantong insurance not only includes hospitalization expenses inside and outside the medical insurance catalogue+15 kinds of out-of-hospital anticancer drugs+rare specific drugs reimbursement. From the perspective of the responsibility of guarantee, the "core competence of guarantee business" is relatively resistant. Jiangsu Medical Bao Hui does not provide reimbursement for "out-of-hospital anticancer drugs", but only claims 6 kinds of rare drugs;
4. From the convenience of claims:
Although both products can be insured by medical insurance card, Nantong's claim for this product is not a one-stop claim. Jiangsu Medical Bao Hui only needs to pay his own medical expenses, and claims are settled by insurance companies and hospitals, so there is no need to run back and forth. Medical insurance has stronger support for Jiangsu Medical Bao Hui, and the settlement is more convenient.
5. Pricing difference: Although Nantong Insurance is 296 yuan per year, the insured amount is 4 million yuan, and the cancer diagnosis subsidy is 1 1,000 yuan, the compensation is higher than that of similar products.
What is Jiangsu Medical Bao Hui?
Jiangsu Medical Bao Hui is a commercial supplementary medical insurance, which is jointly underwritten and settled by 1 1 insurance companies such as China Life Insurance, Pacific Life Insurance and PICC P&C Insurance.
This product can reimburse hospitalization expenses (inside and outside the medical insurance catalogue)+medical expenses for rare diseases+hospitalization expenses for re-insurance for serious diseases. Hospitalization for serious illness is very practical. Details are as follows:
(1) In the medical insurance catalogue: if the out-of-pocket medical insurance expense for each inpatient/outpatient exceeds 1 ,000 yuan, 65% can be reimbursed within 1 ,000 yuan, and 77% can be reimbursed if it exceeds 1 ,000 yuan, with the highest report of 1 ,000 yuan.
(2) List of medical insurance: For those who pay more than 20,000 yuan per hospitalization, 67% of those who have no previous medical history will be reimbursed more than 654.38+10,000 yuan, and only 57% of those who have previous medical history will be reimbursed.
"Jiangsu Medical Bao Hui 1" is the first inclusive commercial supplementary medical insurance product in Jiangsu Province, which is connected with the basic medical insurance. Guided by Jiangsu Medical Insurance Bureau and supervised by Jiangsu Supervision Bureau of Bank of China Insurance Regulatory Commission. Adhere to government guidance, market leadership, and individual voluntary insurance. It is jointly launched by 1 1 commercial insurance companies, and the price is 65438.
"Medical Insurance Nantong Insurance" content:
(1) The object of protection: All participants in the city's basic medical insurance (including employees' medical insurance and residents' medical insurance) can participate in the insurance on a voluntary basis, regardless of age or past illness.
(2) Guide price: 296 yuan per person per year, and each person is limited to purchase 1 copy.
First, medical insurance Nantong insurance claims
During the insurance period, the expenses that meet the insurance scope of Nantong Medical Insurance are within the basic insurance amount, and there is no limit on the number of claims. Among them, the four guarantees guarantee the "first" diagnosis of severe malignant tumors, so the maximum payment is only once.
Second, medical insurance Nantong insurance consulting methods
In order to provide good supporting services for the insured people in our city, "Medical Insurance Nantong Insurance" has opened a full range of consulting service channels. If the insured has any problems when purchasing, you can call the official telephone of the Social Security Bureau to ask the staff.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.
Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.
Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.