Is Jiangsu medical insurance reliable?

Jiangsu medical insurance is reliable. Jiangsu Medical Bao Hui is the exclusive medical insurance for the benefit of Jiangsu people. This product only needs 158 yuan a year to get four guarantees, and the maximum annual reimbursement is 3.2 million yuan, covering medical expenses inside and outside the medical insurance. Jiangsu Medical Bao Hui is the first commercial supplementary medical insurance product jointly launched by Jiangsu Medical Insurance Bureau and Jiangsu 13 Medical Insurance Bureaus to provide supplementary docking of basic medical insurance for insured persons. And 1 1 China commercial insurance company. Government guidance, marketization and individual voluntary insurance. Jiangsu medical insurance is a special guarantee for the insured of basic medical insurance in Jiangsu province. As long as you have Jiangsu medical insurance, you can participate in the insurance, regardless of age, occupation, registered permanent residence and health. You can also insure against diseases, and most importantly, you can make up for past diseases. However, it should be noted that this product has high claim threshold, high deductible and low reimbursement ratio.

1, Jiangsu Medical Bao Hui is underwritten by insurance companies, and jointly underwritten by China Life Insurance, PICC P&C Insurance, Pacific Life Insurance, Taikang Pension Insurance, China Life Insurance, Lian Life Insurance, Dadi Property Insurance, yongcheng Property Insurance, yongcheng Property Insurance, etc. 1 1 insurance companies. Among them, China Life Insurance Jiangsu Branch is the main underwriting unit. These insurance companies are regular insurance companies, and most of them are familiar to us. Jiangsu medical insurance is a provincial medical insurance for the benefit of the people.

2. As long as the insured who participates in the basic medical insurance in Jiangsu Province can participate in the insurance, the threshold for participation is relaxed. Its coverage covers "dual-channel" medical care negotiated by inpatient/special/user countries, medical expenses beyond medical insurance, reinsurance liability for major diseases and supplementary protection for rare diseases. The maximum reimbursement for a year is 3.2 million. Jiangsu Medical Bao Hui is the real Huimin medical insurance, which is not only underwritten by regular insurance companies, but also guided by Jiangsu Medical Insurance Bureau and supervised by Jiangsu Supervision Bureau of China Banking Regulatory Commission.

3. Features of medical welfare insurance: Huimin insurance covers the whole province. For medical insurance in the province, immediate family members in different places in the province are supported to purchase each other, regardless of age, health status, past medical history and occupation type. 158 yuan, four packs a year. The product is not limited to the age, health status, past medical history and occupation type of the insured. , and the annual deductible of out-of-pocket protection is as low as 10000 yuan. Both inside and outside the medical insurance can be reported, and the out-of-pocket expenses for hospitalization, special use and the use of "dual-channel" drugs negotiated by the state can be insured; In addition to medical insurance, the expenses of self-funded drugs and high-value medical consumables can be insured.

4. Past medical history can also be guaranteed. The compensation ratio of those who have not been informed of the past medical history by physical examination and health is only 10 percentage point lower than that of those who have no past medical history. Serious illness can be reported twice, and serious illness can be compensated on the basis of self-funded and self-insurance compensation, and patients pay less at their own expense. Online claims can be reported directly, and the medical insurance account exceeds 4,000 yuan, which can be insured for yourself, parents, spouse and children. One person pays to protect the whole family.