1. Nature of insurance
Through comparison, we can see that "Zhao Yan Medical Insurance" is guided by Hebei Provincial Medical Security Bureau and closely linked with the basic medical insurance in Hebei Province, which is an important practice of implementing a multi-level medical security system in Hebei Province. Moreover, Zhao Yan's medical insurance is not only guided by Hebei Medical Insurance Bureau, but also reported by official website of Hebei Medical Insurance Bureau and official website of Hebei Provincial People's Government. From this point, we can see that "Zhao Yan Health Insurance" is actually a supplementary medical insurance project tailored for cities in Hebei under the guidance of the government. It ensures the continuity and standardization of the project.
"Ji" did not see any government guidance unit, and there was no relevant report on any government website in Hebei Province. It shows that this product has a stronger commercial insurance meaning, at least it is not a supplementary medical insurance product introduced by the government.
2. Ensure strength
"Zhao Yan Health Insurance" is underwritten by China Life Insurance and Taikang Pension Owners, and is jointly underwritten by nine insurance companies, including Pacific Property Insurance, Taiping Property Insurance, PICC Health Insurance, Ping An Health Insurance, Zhao Yan Property Insurance, Beijing Life Insurance and Sino-Hui Mutual. Sinopharm Holdings provides special medicine services, and Medical Plus One provides health services. Alipay is an insurance cooperation platform.
Look at "Ji Bao Hui", there are only five participants in total, among which PICC P&C Insurance and Life Insurance are the nine insurance companies inferior to Zhao Yan Health Insurance. Special medicine service is the center of the circle, which is more obvious than the largest medical and health state-owned enterprise "Sinopharm Group" in China. Furthermore, "Ji Bao Hui" can only be insured through WeChat official account, without Alipay insurance channel, the strength gap is even more obvious!
3. Responsibility to safeguard
In addition to the above advantages, the difference between the insured and the two insurances lies in the "guarantee responsibility".
Zhao Yan health insurance hospitalization history can be insured and compensated; "Ji" hospitalization can be insured for past diseases without compensation.