How about Xiang?
Xianghuibao is an inclusive commercial supplementary medical insurance, which is jointly underwritten by China Taiping Insurance Group (Taiping Property Insurance Hunan Branch/Taiping Life Insurance Hunan Branch), Fude Life Insurance, Dida Property Insurance and Taikang Pension, and provided by Miao Health Company. Coverage is linked to the coverage of basic medical insurance.
The medical expenses incurred by the insured in the designated medical institutions of basic medical insurance in Hunan Province due to illness belong to the medical expenses in medical insurance coverage as stipulated by the social medical insurance at the same level or cities in Hunan Province, and should be paid by the individual after being reimbursed by the local medical insurance. At the same time, it also provides the insured with 19 kinds of specific high-priced drugs for the treatment of malignant tumors purchased at designated pharmacies for the first time.
At the same time, Xiang Huibao's insured population is the basic medical insurance insured in Hunan Province between 28 days and 70 years old, regardless of occupation or household registration, and can be purchased if they meet the relevant conditions. The premium is divided into age groups, and the premium under 50 is 48 yuan/person/year; Premium for 50-70 years old 138 yuan/person/year.
So what are the advantages and disadvantages of Xianghui?
The advantage of Xianghuibao is that it is cheap, and the annual premium is the highest 100 yuan. With high insurance coverage, 100 yuan can enjoy a million-level guarantee. The disadvantage is that the deductible is high, and the individual's self-funded hospitalization medical expenses need to accumulate to more than 20,000 yuan to apply for claims; The price is relatively high, and the price of Huimin insurance in many cities does not exceed 100 yuan, and the prices of all ages are the same, and there is no discrimination.
The above is an introduction to, I hope it will help you.