How to reimburse Beijing Pratt & Whitney Insurance? What about the part that coincides with medical insurance?

First of all, you need to exceed the annual deductible of Beijing Pratt & Whitney Health Insurance to get the corresponding claim. The guarantee responsibility of "Beijing Pratt & Whitney Health Insurance" covers the triple protection inside and outside the medical insurance catalogue. We can understand the details of reimbursement from three aspects.

1. As for the out-of-pocket expenses of hospitalization and outpatient service in the medical insurance catalogue, as long as they exceed the deductible line of Beijing's serious illness medical insurance in that year, they can be reimbursed, with a maximum reimbursement of 1 10,000 yuan, 80% of healthy people and 40% of people with specific past diseases.

2. As for the out-of-pocket expenses of inpatients outside the medical insurance catalogue, the maximum compensation can be 6,543,800 yuan, and healthy people only need to meet the deductible line of 20,000 yuan per year and the deductible line of 40,000 yuan per year for patients with specific past diseases. The proportion of compensation for healthy people is 70%, and that for patients with specific past diseases is 35%.

3. About 100 kinds of high-priced special drugs at home and abroad, the maximum insured amount of 25 kinds of domestic special drugs is 500,000 yuan, and the maximum insured amount of 75 kinds of foreign special drugs is 500,000 yuan, totaling 6,543,800 yuan. The annual deductible for healthy people is 20,000 yuan, and the payment ratio is 60%. The annual deductible for specific people with previous diseases is 40,000 yuan, and the payment ratio is 30.

Two, the cost of overlapping medical insurance is not repeated reimbursement.

Some people have made such a summary: "Although social security has achieved wide coverage, the limitations of the scope of protection make it unable to meet the multi-level security needs; Although commercial insurance can achieve multi-level protection, its insurance threshold and premium are also high. " The emergence of Huimin insurance can avoid the shortcomings of the above insurance and let more people have health protection. For example, Beijing Pratt & Whitney Health Insurance, the third benefit insurance in Beijing, can effectively reduce the burden of high medical expenses for the people and provide supplementary protection for basic medical insurance.

Universal insurance mainly refers to the million-insured medical insurance project that is currently cooperated by medical insurance institutions and commercial insurance companies in various cities. This kind of insurance project can be popularly considered as a customized version of the city's group million medical care.