Recently, Huimin insurance in many cities has launched the 2022 version.
Some cities have also introduced a variety of Huimin insurance for citizens to choose from, such as Guangzhou Huimin Insurance, Suisui Kang, Guangzhou Huimin Insurance, etc.
There are many choices, and people are inevitably entangled:
"Buy Sui Sui Kang or Guangzhou Huimin Insurance?"
"Guangzhou Huimin keeps two versions of 49 yuan and 89 yuan, Sui Sui Kang 180 yuan. What's the difference? "
1, Guangzhou Huimin Bao 2022
Guangzhou Huimin Insurance 2022 has two versions to choose from:
Basic edition:
49 yuan/year, covering 18 specific high-priced drugs in hospitalization expenses and medical insurance. The two guarantees use 20,000 deductibles, the reimbursement ratio is 80%, and the upper limit is 1 10,000.
Upgrade version:
89 yuan/year, the coverage is wider, and the hospitalization and specific outpatient expenses inside and outside the medical insurance can be covered. The deductible is calculated separately as 20,000 yuan, and the reimbursement ratio is 80%; There are 38 kinds of high-priced drugs, no deductible, 100% reimbursement, and the upper limit is1100,000 yuan.
It is suggested to spend more money on 40 yuan and choose an upgraded version, which includes expenses other than medical insurance.
And the upgraded version has a wider insurable population. In addition to Guangzhou medical insurance participants, it also supports medical insurance participants from different places who have lived in Guangzhou for more than 30 days ~ ~
It should be pointed out that:
① Guangzhou Huimin Insurance has certain restrictions on the reimbursement of medical expenses and special drug expenses.
The hospitalization medical expenses and special drug expenses caused by the following past diseases and their complications cannot be reimbursed.
2 claims are not directly deducted from the medical insurance card, and they need to be declared by themselves. There are two ways of online claims and offline claims.
2. Sui Sui Kang 2022
The safety content of Suikang mainly includes four parts:
(1) The basic medical expenses for inpatient+outpatient specific diseases are limited within the scope of medical insurance. The deductible line is 1.6 million, and 80% is reimbursed. The upper limit is 1 10,000.
(2) Hospitalization compliance drug fee+examination fee, including inside and outside medical insurance, with the deductible of 1 0.6 million, 70% reimbursement, and the upper limit of110,000. This part includes the inside and outside of medical insurance, but it should be noted that the scope of protection includes drugs and examination expenses, such as surgery fees and treatment fees, which are not included.
(3) For emergency and outpatient services, the national negotiated drugs and designated innovative drugs are exempt from compensation 1.6 million, with 60% reimbursement, while other drugs are exempt from compensation of 45,000, with 50% reimbursement, with an upper limit of 300,000.
④ Medical expenses of specific population.
It is worth mentioning that Sui Sui Kang has no restrictions on past diseases, and can be insured and compensated for illness. You can also buy it directly if you have a serious illness. Moreover, people with past medical history enjoy the same protection as healthy people, and they are very friendly to people with past medical history.
Claims are also very convenient. More than 0/00 designated medical institutions in the whole city1/KLOC-0 have "one-stop" settlement and will be reimbursed immediately after discharge. There is no need to collect additional information or file a claim yourself.
3. How to choose Guangzhou Huimin Bao and Sui Sui Kang?
① For those who are concerned about hospitalization outside medical insurance and specific outpatient service, you can consider the upgraded version of Guangzhou Huimin Insurance. Besides medical insurance, hospitalization and specific outpatient medical expenses cover a wider range and the price is relatively affordable. 89 yuan insurance is 3 million a year.
(2) If you belong to the people with past diseases designated by Huimin Insurance, you are worried about buying Huimin Insurance, and if you have past diseases or corresponding complications in the future, you may not be guaranteed. You can consider Sui Sui Kang, which is very friendly to the sick people. Moreover, Suisuikang supports one-stop claims, and claims are relatively worry-free and convenient.
Write it at the end
With the continuous upgrading and optimization of Huimin insurance, the protection of Huimin insurance is getting better and better, providing more choices for the public.
But after all, the deductible of Huimin insurance is generally1.5-20,000 yuan, and the coverage and reimbursement ratio are also limited. We should treat the protection of Huimin insurance rationally and don't expect too much from them.
If health conditions permit, I have the opportunity to buy a million medical insurance. It is recommended to give priority to supplementing millions of medical insurance, not limited to internal and external medical insurance, and the protection is more comprehensive. When I was young, the price was very cheap. A 30-year-old person can buy a million guarantees for two or three hundred dollars. If the budget is slightly sufficient and you want longer-term protection, you can also add a critical illness insurance to form a critical illness protection combination with millions of medical insurance to better transfer the risk of critical illness.