1 welfare
The fee is not high, one person a year 100 yuan, and the balance of personal medical insurance account can be insured for the whole family. There is no waiting period. If you are insured today, you can be reimbursed if you are hospitalized tomorrow. Commercial million medical insurance generally has a waiting period of 90 days. Past medical history is ok, but the reimbursement rate is low. Commercial million medical insurance generally requires the requirement of health notification, but it cannot be applied for previous diseases.
Claims are convenient, because the medical insurance bureau takes the lead in organizing, and his reimbursement process is simpler than that of ordinary commercial insurance. According to the publicity materials, the designated medical insurance institutions can "make one-stop claims" when they leave the hospital, which is estimated to be similar to the medical insurance procedures.
2. Insurance:
It is an inclusive supplementary medical insurance. Shaanxi universal medical insurance is an insurance system introduced by the Shaanxi provincial government, aiming at providing comprehensive medical security for residents in the province. The insurance covers a wide range, including basic medical insurance, serious illness insurance, outpatient insurance and other types of insurance, aiming at solving the problem of difficult and expensive medical treatment for residents and improving the health level of the whole people. Medical insurance bureau, Shaanxi Province.
Brief introduction and guarantee content of health insurance:
Introduction to health insurance:
Shaanxi Provincial Department of Finance, Shaanxi Provincial Taxation Bureau and Shaanxi Banking Insurance Bureau make overall planning to ensure one of the medical security of Shaanxi citizens in a diversified way. If you live in Shaanxi Province for a long time and have participated in the basic medical insurance in other areas, you can participate in the insurance, such as those who have participated in the basic medical insurance for urban and rural residents in Shaanxi Province, those who have participated in the medical insurance for urban workers in Shaanxi Province, and "new citizens" living in Shaanxi Province.
Guarantee content:
In the basic medical insurance catalogue, the insured amount of inpatient medical expenses (including outpatient special treatment) is 6.5438+0.5 million, the deductible line is 6.5438+0.2 million, and the compensation ratio is 80% (non-previous diseases), while the insured amount of inpatient medical expenses insurance and domestic specific drug expenses insurance outside the basic medical insurance catalogue is 6.5438+0.5 million.
Their deductible is 654.38+0.8 million, and the compensation ratio (non-previous diseases) is 60% for the former and 80% for the latter. If it is a past disease, the deductible of the above three insurance liabilities is 20,000, and the compensation ratio is 30%.