How about BOC National Insurance?
1 Insurance Rules: All users registered in China and participating in basic medical insurance can apply for insurance, regardless of age, occupation and no waiting period.
2. Coverage: mainly including medical insurance within medical insurance and medical insurance outside medical insurance, and the two parties enjoy insurance coverage of 654.38+100,000 yuan. The deductible line for medical treatment within medical insurance and medical treatment outside medical insurance is 5000 yuan. The proportion of medical reimbursement in medical insurance is 60% in designated first-class hospitals or designated second-class hospitals (20% in the former); The third-level hospitals designated by medical insurance pay insurance benefits at the rate of 30% (the former patients pay at the rate of 10%). 60% of the payable amount calculated according to the above agreement without social security. The proportion of medical reimbursement outside medical insurance is 10%, and 60% of the payable amount calculated according to the above agreement is paid with or without social security.
It should be noted that medical treatment outside medical insurance only reimburses medical expenses that are beyond the reimbursement scope of the medical insurance system because of accidents or diseases in hospitals at or above the level of basic medical insurance.
Overall, BOC Universal Insurance also has certain advantages. One is that the insurance threshold is low, and everyone who participates in medical insurance can be insured; Secondly, the deductible is low, which other Huimin insurance can't do, with a deductible of 5,000 yuan; The third is that it is also insurable and compensable for past diseases. Of course, there are also shortcomings. The reimbursement rate is relatively low, and the highest reimbursement rate is only 60%. In addition, the security is actually not comprehensive enough, and there is a lack of medical security for special drugs.