1, with different security contents.
Huimin insurance covers out-of-pocket expenses inside and outside medical insurance, 25 kinds of domestic effective drugs and 75 kinds of foreign special drugs. Good medical insurance has increased the overseas treatment of optional liability cancer, with a maximum reimbursement of 2 million and a reimbursement rate of 70%.
2. The proportion of free compensation and reimbursement is different.
The deductible of universal insurance is divided according to healthy body and past illness body. The deductible for healthy people is 20,000, and the deductible for sick people in the past is 40,000; Good medical insurance generally has a deductible of 1 10,000, and there is no deductible for major diseases.
The reimbursement ratio of universal insurance is divided into social security reimbursement and social security reimbursement. The proportion of healthy people in social security is 80%, and the proportion of former patients is 40; The proportion of compensation outside social security for healthy people is 70%, and the proportion of compensation for previous diseases is 35%. A good medical insurance reimbursement rate is 100%.
3. The requirements of previous diseases are different.
Past diseases refer to diseases that have been suffered before insurance and have not been completely cured. Huimin insurance can cover people with five previous medical histories, such as malignant tumor, liver and kidney diseases, cardiovascular and cerebrovascular diseases, glucose and lipid metabolism diseases, lung diseases and other diseases. However, good medical insurance can only be insured as a healthy person. For people with abnormal health, it will be a bit difficult to insure, except for the responsibility.