Millions of medical insurance is usually pure commercial health insurance sold nationwide. With the characteristics of low premium and high insurance coverage, millions of insurance coverage can be shaken only by hundreds of premiums, and millions of medical insurance once became the explosion of insurance tracks. Internet celebrities. Since it is commercial insurance, there will be a threshold for insurance. Usually, the premium will increase with the age of the insured, and most millions of medical products are insured for the first time at the age of 70. Moreover, there are also requirements for the health status of the body, and it is necessary to meet the health notification to participate in the insurance. Some sick people or sub-healthy people may not meet the insurance conditions, or even if they can be insured, the treatment expenses of the corresponding diseases cannot be settled. Moreover, Million Medical will generally set a waiting period of 90 days. If you are in danger (excluding accidental medical treatment) during the waiting period, you are not eligible for claims.
Zhao Yan Health Insurance is a supplementary medical insurance customized for Hebei people under the guidance of Hebei Medical Security Bureau and following the medical insurance policy of Hebei Province. Regardless of age, occupation or physical health. Sub-healthy people and even seriously ill patients can be insured, and they can pay 35% (except Car-T liability insurance). However, there are restrictions on the insurance of health insurance in Zhao Yan, that is, the insured must have basic medical insurance in Hebei Province to participate in the insurance. And the effective date of the letter of guarantee is March 2022 1 day.
Compared with millions of medical services, the front end of health insurance in Zhao Yan is more open, that is, the insurance threshold is lower. Followed by premium 1 19 yuan/person/year. The older you get, the greater the premium gap between the two products. However, for very healthy young people, the protection of millions of medical care will be relatively better, with zero compensation for serious illness and higher coverage. For sub-healthy people, people with past diseases, or the elderly, Zhao Yan health insurance is more suitable.
legal ground
Opinions of the General Office of the State Council on Improving the Medical Insurance Assistance System for Serious and Extraordinary Diseases.
Fourth, consolidate the medical assistance security.
(four) clear the scope of protection of the rescue expenses. Adhere to the basic needs and properly solve the basic medical needs within the scope of the aid target policy. The expenses of assistance mainly cover the expenses of hospitalization in designated medical institutions, long-term medication due to chronic diseases or long-term outpatient treatment due to serious diseases. The drugs, medical consumables and medical treatment items paid by the medical assistance fund conform to the provisions of the state on the scope of payment of basic medical insurance in principle. Personal out-of-pocket expenses within the following policies of basic medical insurance and critical illness insurance deductible line shall be included in the rescue guarantee according to regulations. Except as otherwise provided by the state, all co-ordination areas shall not make their own plans or expand the scope of medical assistance expenses without authorization in a flexible way.
(5) Reasonably determine the basic level of assistance. According to the degree of family difficulties of the relief object, the annual relief Qifubiaozhun (hereinafter referred to as Qifubiaozhun) is set according to the classification. In principle, the minimum living standard and the destitute personnel shall be exempted from the Qifubiaozhun. The Qifubiaozhun shall not be higher than 5% of the per capita disposable income of the residents in the last year as a whole, and the Qifubiaozhun shall be gradually explored. The minimum living allowance for marginal family members is determined according to 10% of the per capita disposable income of residents in the overall planning area, and about 25% of them are poor due to illness or seriously ill due to illness. The medical expenses of eligible low-income residents and poor people can be rescued at a rate of not less than 70%, and the proportion of other recipients is slightly lower than that of low-income residents in principle. The specific proportion of assistance should be properly determined to prevent the tendency of pan-welfare. According to the level of economic and social development, people's health needs, and the ability to support medical assistance funds, all overall planning areas should reasonably set the annual medical assistance limit. The level of assistance to rural poor people who are easy to return to poverty shall be implemented in accordance with the relevant policies and regulations to consolidate and expand the achievements of poverty alleviation through medical security and effectively link up with the rural revitalization strategy.
(6) Coordinate and improve supporting measures. Strengthen the outpatient assistance for chronic diseases and special diseases. The outpatient assistance and hospitalization assistance will be the same as the annual assistance amount, and the funds will be used as a whole to reduce the burden of medical expenses for chronic diseases and special diseases. Standardize the referral for medical treatment in the province. If the personal burden within the policy scope is still heavy after the comprehensive guarantee of the triple system, the specific assistance standard shall be scientifically determined by the people's government of the overall planning area according to the financing situation of the medical assistance fund to avoid excessive protection. By defining the diagnosis and treatment plan, standardizing the diagnosis and treatment behavior, and reasonably controlling the proportion of out-of-pocket expenses within the policy scope of the needy people, the medical expenses can be reduced.