1, with different underwriting units, Huimin Insurance is underwritten by Pacific Property Insurance, while Bao Hui Insurance is jointly underwritten by PICC P&C Insurance, Ping An Pension, Taiping Pension and China Life Insurance, and Bao Hui Insurance is the only insurance product under the guidance of local government departments;
2. The coverage content is different. Huimin insurance is the reimbursement of hospitalization expenses and 17 kinds of specific drugs within the scope of medical insurance, with the reimbursement ratio of 80% each, while Huimin insurance mainly reimburses hospitalization and other medical expenses, including expenses outside the scope of medical insurance, with the highest reimbursement ratio of 95%;
3. The premium is different. The premium owners of Huimin insurance have a uniform price, while Bao Hui insurance collects the premium in stages according to the age of the insured, and the price is higher than Huimin insurance.
Huizhou Huimin insurance and Huimin medical insurance are both Huimin medical insurance. There is no limit to insurance, and almost anyone can take out insurance. How to choose is really a problem. If the budget is small and you are concerned about the protection of cancer special drugs, you can consider Huizhou Huimin Insurance. If the budget is sufficient and you want to guarantee it, choose Huizhou Bao Hui.
"Jinhui Insurance" is policy-oriented and underwritten by Bohai Life Insurance Co., Ltd. Tianjin Branch and Ping An Health Insurance Co., Ltd. Tianjin Branch;
Ying Da Changan Insurance Brokerage Co., Ltd. provides brokerage services, Beijing Yuanxin Bao Hui Technology Co., Ltd. provides technical services, and gold medal nurses provide home care and rehabilitation services to create exclusive inclusive medical benefits for Tianjin people.
As a "national" type of commercial health insurance, Huimin insurance has experienced explosive growth with its unique inclusive attributes. On June 5438+February 1, 2020, the inclusive supplementary medical insurance "Jin Bao Hui" for Tianjin came into effect, with 68 yuan/person/year, with a maximum guarantee of 2 million, including hospitalization expenses 1 10,000, and a certain high drug cost 1 10,000, providing tens of millions of Tianjin people with multi-level health protection.
Compared with Huimin insurance in other cities, "Jinhuibao" has relaxed the insurance conditions, regardless of age, occupation and health status. Tianjin basic medical insurance participants and Tianjin citizens who participate in Beijing basic medical insurance can participate in the insurance, which has the advantages and characteristics of "wide coverage, universal price, high security and value-added service".
It has brought high cost-effective supplementary medical security to Tianjin people, realized the organic connection between social insurance and commercial insurance, and has positive significance for promoting the construction of multi-level medical security system in Tianjin.
1, Huimin insurance is a commercial insurance, but it is a million yuan medical insurance recognized by the government. The main purpose is to ensure that social security and medical insurance are not lacking. Local governments and insurance companies have introduced government medical insurance.
2. Huimin Insurance guarantees the reimbursement expenses of the insured due to the diseases and accidents agreed in this contract. However, it should be noted that this insurance is a commercial insurance for reimbursement, which is only a supplement to the medical part of the hospitalized group, and social security is not in place. Therefore, the condition of purchasing Huimin insurance is the guarantee of medical insurance, and it is a product that is reimbursed after treatment, not an insurance product that is directly paid.
3. In addition, its security is not as good as the integrity of millions of medical care, and its coverage is not as good as millions of medical care. Therefore, those who have bought millions of medical services in the market can no longer buy Huimin insurance. After all, 10,000 yuan medical insurance on the market is more comprehensive than Huimin insurance.
Groups suitable for underwriting are mainly concentrated in the following categories:
1. For groups with insufficient insurance budget, the insurance budget is very limited and their own protection is also very lacking. They can consider insuring people.
2. For high-risk occupations/elderly people, considering the risks, many insurance companies have requirements for occupations and ages. Generally speaking, when they are old people or high-risk occupations, they are not allowed to buy even if the cost is high. For such a friend, this kind of insurance is still very suitable.
3. People in poor health should fill in the health notice before applying for normal health insurance. If they don't meet the health conditions, they usually refuse to buy insurance, let alone apply for sickness insurance.
I bought millions of medical insurance, except for some diseases. Millions of medical expenses in the market cannot reimburse some diseases. In this case, this kind of insurance can be considered.
5. Huimin insurance is Huimin insurance launched by the local government joint insurance company, but the insurance product is paid within one year and there is no renewal guarantee. However, the specific situation should be determined according to the local government's support for Huimin insurance. If the local loss rate is too high, the products may stop being put on the shelves next year. Pay attention to it when buying. At present, Huimin Bao only opens sales channels in first-and second-tier cities in some provinces.
Legal basis:
People's Republic of China (PRC) social insurance law
Article 4 Employers and individuals who pay social insurance premiums according to law in People's Republic of China (PRC) have the right to inquire about payment records and personal rights and interests records, and ask social insurance agencies to provide social insurance consultation and other related services. Individuals enjoy social insurance benefits according to law and have the right to supervise the payment of their own units. Fifth people's governments at or above the county level shall incorporate social insurance into the national economic and social development plan.
The state raises social insurance funds through multiple channels. People's governments at or above the county level shall give necessary financial support to social insurance.
The state supports social insurance through preferential tax policies. Article 6 The State exercises strict supervision over social insurance funds.
The State Council and the people's governments of provinces, autonomous regions and municipalities directly under the Central Government shall establish and improve the supervision and management system of social insurance funds to ensure the safe and effective operation of social insurance funds.
People's governments at or above the county level shall take measures to encourage and support all sectors of society to participate in the supervision of social insurance funds.