What are the shortcomings of Xuchang Royal Sword Castle?

Xuchang launched Huimin insurance to meet insurance. As long as Xuchang employees and urban and rural residents have medical insurance and meet the health notification, they can buy it. The biggest feature of this product is that the hospitalization expenses inside and outside the social security catalogue can be compensated. It sounds great, but what are its disadvantages? Let's look at its analysis.

1 The deductible is high and the reimbursement ratio is small.

The annual cumulative deductible of hospitalization medical expenses of medical insurance is 6.5438+0.5 million yuan, and the compensation ratio is 80%; The deductible line of hospitalization medical expenses outside medical insurance is 6.5438+0.5 million yuan per hospitalization, and the compensation ratio is 70%. In contrast, millions of medical insurance on the market at present are all covered by social security plus social security 10000 deductible, and major diseases are all covered by 100%.

2 Value-added services are not excellent

Lack of two core functions of value-added services: medical green link and medical expenses prepaid, which can play a great role when the body is sick. For example, medical green link can quickly help arrange beds in well-known hospitals and well-known experts for surgery; Moreover, some insurance companies can provide medical expenses in advance to help users solve the problem of high medical expenses.

No guarantee of renewal

Xuchang Yujianbao is a one-year product, and there is no guarantee for renewal. If the product is discontinued, we need to re-select the product, and we may face the risk of failing to pass the health notification. It is safer to ensure that the renewed products will not be renewed because of claims and personal physical abnormalities during the insurance period.

The above three-point analysis of Xuchang Yujianbao's shortcomings, I hope everyone will pay more attention when purchasing and using it.