Huimin Insurance is an exclusive and inclusive commercial supplementary medical insurance product under the guidance of Huizhou Financial Work Bureau, underwritten by Huizhou Central Branch of China Pacific Property Insurance Co., Ltd., sold by Tong Yuan (Beijing) insurance broker and supported by Sipai Health. Help build a multi-level medical security system in the city. Guangzhou Huimin Insurance, Huimin Insurance (Huizhou) and Huirongbao (Chengdu) were launched.
Huimin Insurance (Huizhou) guarantees hospitalization expenses and high self-funded medication expenses, covering hospitalization expenses paid by individuals after reimbursement of social basic medical insurance and 15 kinds of specific high-funded drugs outside the medical insurance catalogue, and provides patients with 9 personal health management services such as early screening, accurate triage, special drug distribution, medication guidance and follow-up management.
"Huimin Insurance" is connected with basic medical insurance to provide convenient one-stop "insurance protection+full health service" for the insured. While providing health insurance products, we will provide medical care butler services covering the whole process before, during and after diagnosis, and change the focus on treatment to people's health, so that the insured people can afford it and get sick less and not get sick.
From the perspective of economics, insurance is a financial arrangement to share the loss of accidents; From the legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for losses; From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" for social production and social life; From the perspective of risk management, insurance is a method of risk management.
Insurance is definitely risky. The purpose of establishing insurance system is to deal with the occurrence of specific dangerous accidents. Without risk, there is no insurance. In order to apply the principle of large number, commercial insurance institutions generally do not underwrite such risks.