The specific analysis is as follows:
Hospitalization medical insurance: for hospitalization expenses listed in the medical insurance catalogue, the compensation ratio is 70%; However, it should be noted that this is the price after reimbursement with medical insurance, and then the deductible of 2000 is cancelled. It has no past symptoms. In this security measure, there is a quota of one million; Special medicine guarantee: Huimin special medicine responsibility 15 special medicine reimbursement ratio is 60%, and 20,000 medical insurance reimbursement and deductibles are cancelled at the same time. The above two deductibles are public; Health management service: 13 The health management service of this product includes pre-treatment, in-treatment and post-treatment services. In 2022, Huimin Insurance also added seven benefits, including medical care services, drug discounts, and reimbursement of special drugs; Huimin insurance is a supplementary medical insurance based on the basic medical insurance, which is jointly launched by local governments and insurance companies. The local governments take the lead in solving the problems of high hospitalization expenses and drug expenses. Huimin insurance can be reimbursed twice on the basis of medical insurance, including hospitalization expenses and huge self-funded drug expenses. Huimin insurance has the characteristics of low purchase threshold, high cost performance and large insurance coverage. Buying this insurance is not limited by age, position and physical condition, as long as the insured with local basic medical insurance can participate in the insurance. Huimin docking basic medical insurance to provide convenient and fast one-stop "insurance medical care" for the insured.
legal ground
Notice on standardizing the customized commercial medical insurance business of insurance companies in cities
First, give play to the role of the market and serve the people's livelihood security.
(a) insurance companies to carry out customized medical insurance business, should follow the business rules of commercial health insurance, the implementation of market-oriented operation, in accordance with the principles of sustainable operation and risk control, scientific and reasonable development of security programs.
(two) insurance companies to carry out customized medical insurance business, should be adapted to local conditions, the protection program reflects regional characteristics, in line with the actual medical security needs of local people. Encourage medical expenses and health management services outside the medical insurance catalogue to be included in the scope of protection.