1. Is there any conflict between Beijing Pratt & Whitney Health Insurance and Beijing Pratt & Whitney Health Insurance?
These two products are exclusive supplementary medical insurance for Beijing residents, and their insurance requirements are to participate in the basic medical insurance in Beijing. There is no requirement for age, occupation and health status, and they can be insured despite illness. So there is no conflict between the two. If you have already bought Beijing Jinghui Insurance, you can also buy Pratt & Whitney Health Insurance. Although these two products are both Huimin medical insurance, there are many differences between them. Their underwriting companies and guiding units are different, and the coverage content and premium price are also different.
2. Do you want to buy Beijing Pratt & Whitney Health Insurance and Jinghui?
The two products have their own advantages and disadvantages, and there are also overlapping parts in protection. From the perspective of coverage, it is natural that Pratt & Whitney Health Insurance is better, but the reimbursement threshold of this product is too high, with a high deductible limit and a low reimbursement ratio. Jinghuibao has a good reimbursement rate and reasonable deductible, but the scope of reimbursement is small. Hospitalization medical expenses can only be reimbursed within the scope of social security, and only 17 special drugs are guaranteed. There is no great need to buy these two products at the same time, so the same expense cannot be reimbursed twice. I suggest that commercial medical insurance should be given priority to if conditions permit. Although the price is more expensive, the guarantee is better.
Third, Jinghuibao 202 1 product features;
The price is close to the people: the annual premium is only 79 yuan, regardless of age or sex. Anyone who participates in Beijing social security (including the new rural cooperative medical system and public medical care) can participate in the insurance.
Product upgrade: Compared with the 2020 version of Jinghuibao, the 202 1 version can be described as "quantity increases but price does not increase". On the basis of maintaining the price in 79 yuan for one year, the responsibility, amount, types of special drugs and health management services have all increased.
Low entry threshold: Compared with the dazzling commercial medical insurance in the market, the entry threshold of Jinghuibao 202 1 can be said to be very relaxed, as long as it is a Beijing basic social security insured or a public medical insured, there is no restriction on household registration, occupation and age.