Zhao Yan health insurance includes four responsibilities, namely, hospitalization within medical insurance, hospitalization outside medical insurance, specific drug expenses, and Fosun Kate CAR-T therapy. Each liability guarantee is 6,543,800 yuan, and the maximum annual reimbursement is 4 million yuan.
Zhao Yan health insurance can cover diseases and compensate for past diseases. However, it should be noted that this product has five specific past diseases. If the insured has been diagnosed with the agreed diseases before insuring this product, the reimbursement rate of medical expenses caused by these diseases will be reduced, and Fosun Kate CAR-T therapy will not be reimbursed.
Zhao Yan medical insurance is a provincial medical insurance for the benefit of Hebei people. This product 1 19 yuan can enjoy medical insurance of up to 4 million yuan a year, and anyone who participates in the basic medical insurance in Hebei Province can buy it.
1. Which is better, Zhao Yan health insurance or millions of medical insurance?
1. From the insurance threshold,
Millions of medical insurance should have strict insurance threshold, not only age limit, but also health notification requirements. However, Zhao Yan's health insurance application requirements are very relaxed, and there are no restrictions on age, occupation and health status. Before insurance, you don't need health advice or physical examination. You can apply for insurance if you are sick, and you can also compensate for past diseases. Very friendly to the elderly and people with past medical history.
2. From the perspective of security content.
The coverage of health insurance in Zhao Yan is very high, with a maximum coverage of 4 million yuan a year, covering medical security inside and outside the medical insurance, as well as special medicine medical care and CAR-T therapy, but the reimbursement rate is low and the threshold for claims is high. Millions of medical insurance is better in terms of security, covering medical expenses inside and outside the medical insurance, and 100% reimbursement is better.
Summary: If the physical condition is abnormal or it is expensive to buy commercial medical insurance for the elderly, you can consider Huimin medical insurance such as Zhao Yan Health Insurance. If your own conditions permit, it is still recommended to give priority to millions of medical insurance.
Second, the difference between Hebei Huimin medical insurance and Hebei Zhao Yan medical insurance.
1. The requirements of previous diseases are different.
All the past diseases can be reimbursed by Zhao Yan Medical Insurance in Hebei Province, but there are five types of past diseases that are not paid by Huimin Health in Hebei Province. The main diseases are: tumor: malignant tumor (including leukemia and lymphoma); Liver and kidney diseases: renal insufficiency; Liver cirrhosis and abnormal liver function; Cardiovascular and cerebrovascular diseases, glucose and lipid metabolism diseases: ischemic heart disease (including coronary heart disease and myocardial infarction) and chronic cardiac insufficiency (cardiac function grade 3 and above); Cerebrovascular diseases (cerebral infarction, cerebral hemorrhage); Hypertension (phase III); Diabetes with complications; Lung diseases: chronic obstructive pulmonary disease, chronic respiratory failure; Other diseases: systemic lupus erythematosus; Paralysis; Aplastic anemia; Ulcerative colitis
Judging from the difference between Huimin medical insurance in Hebei and Zhao Yan medical insurance in Hebei, Zhao Yan medical insurance in Hebei is more public welfare.
2. Difference of deductible
Zhao Yan medical insurance in Hebei accounted for 6.5438+0.5 million yuan of hospitalization expenses inside and outside the medical insurance catalogue, which was 5,000 yuan lower than Huimin medical insurance in Hebei. Relatively speaking, it is easier to claim;
3. Differences in underwriting responsibilities
Hebei Huimin medical insurance is less than Hebei Zhao Yan medical insurance, but there are more kinds of anticancer drugs.
4. Price difference
Huimin health insurance 99 yuan/year/person, Hebei Zhao Yan health is slightly higher, so it needs 1 19 yuan/person/year.