What does 0 1 Shenzhen exclusive medical insurance cover?
1, basic insurance rules
1) Who can participate in the insurance: Shenzhen Medical Insurance?
2) No age limit: from crying children to white-haired old people can be insured. ?
3) Occupation is not limited: high-risk occupational groups such as police and firefighters can also be insured. ?
4) Waiting period: 30 days, which, like the general million medical insurance, is not long, giving the insured more protection period.
2. Guarantee content
(1) Internal and external hospitalization of social security: medical expenses are reimbursed within 7 days before hospitalization and 30 days after hospitalization, but the proportion of internal and external reimbursement of social security is different.
(2) 13 expenses of specific drugs: these 13 drugs are specific drugs of Shenzhen critical illness insurance, and the deductible is 10000?
(3) Guaranteeing the cost of supplementary specific drugs: 20 kinds of supplementary drugs were agreed, with deductible 1 0,000?
(4) Proton heavy ions: 1 10,000 insured amount 100% reimbursement?
(5) Allowance for radiotherapy and chemotherapy for malignant tumor: 654.38+10,000 yuan?
3. Health notice
Shenzhen exclusive medical insurance has a health notice asking about the following diseases:
4. Insurance renewal
Shenzhen exclusive medical insurance is divided into two versions: 1 year version and 6-year version.
5. Premium
No matter what age you are insured, the premium is the same. The annual premium is 365 yuan/year, which is equivalent to one piece a day. ?
6. Payment method: it can be purchased with medical insurance.
The above is the basic guarantee content of exclusive medical insurance in Shenzhen. I summed up the following advantages and disadvantages:
Advantages: unlimited age and occupational insurance, loose health information. ?
Disadvantages: Each guarantee has a separate deductible of 65,438+0,000.
How much can Shenzhen exclusive medical insurance reimburse?
1) First of all, let's look at the reimbursement of treatment expenses in social security.
After being reimbursed by Shenzhen Medical Insurance and Shenzhen Critical Illness Insurance, the expenses are 654.38+million. After deducting the deductible of 654.38+million, the reimbursement is 1 0,000%, that is, the medical expenses in social security are 1 0,000. ?
2) Next, let's look at the reimbursement of treatment expenses other than social security:?
There is also a deductible 1 000 yuan. In the case of medical insurance settlement, 1 0,000% of the remaining expenses after deducting the deductible shall be reimbursed, that is, at one's own expense 1 0,000 yuan.
3) Reimbursement of specific drugs for serious diseases?
The reimbursement ratio is related to Shenzhen critical illness insurance; Suppose that after being reimbursed by Shenzhen critical illness insurance, the cost is 20,000 yuan, and after being reimbursed by Shenzhen exclusive medical insurance, after deducting deductible, the cost is 1 10,000 yuan. ?
4) Specific drug reimbursement?
This reimbursement is relatively simple. Deduct deductible 65,438+0,000% for reimbursement, that is, 65,438+0,000 at one's own expense. ?
If the above four items are reimbursed by medical insurance and Shenzhen critical illness insurance, they will only cost 40 thousand in the end. If there is no reimbursement for critical illness insurance in Shenzhen, they need to pay 1.42 million yuan at their own expense, and the gap is still quite large.
Therefore, the introduction of exclusive medical insurance in Shenzhen means bundling Shenzhen critical illness insurance, and the proportion of reimbursement for insurance together will be higher. ?
The above is a demonstration of exclusive medical insurance reimbursement in Shenzhen.
If you insure some products with zero deductible for serious illness, for example, you can enjoy electronic health after the expenses of more than 20,204,500 yuan are reimbursed by social security,
You don't have to pay at all. For more information about enjoying E-Life 2020, please see:
My summary
Some people may ask, since the million-dollar medical insurance reimbursement is so strong, do I still need this exclusive medical insurance? ?
In fact, Shenzhen's exclusive medical insurance is also a supplementary insurance for millions of medical insurance. ?
We must know that millions of medical insurance is cost-effective, so health information will be relatively strict, and some people with diseases may not be able to protect millions of medical insurance. ?
The health information of exclusive medical insurance in Shenzhen is relatively loose, regardless of age and occupation, so some older or high-risk occupational groups can insure this product and give themselves a guarantee.
Want to know more about medical insurance, you can check my previous article: What are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020