This product is a supplementary medical insurance for all medical insurance participants in Jiangsu Province, which closely explains the basic medical insurance, becomes an important part of the medical insurance system in Jiangsu Province, and can improve the basic medical treatment of medical insurance participants in Jiangsu Province.
Jiangsu Medical Bao Hui 1 can mainly reimburse the following expenses:
Medical expenses within the scope of medical insurance: after medical insurance reimbursement, the part of hospitalization, special medical expenses and specific drug expenses exceeding 6.5438+million can be reimbursed by stages, and the reimbursement ratio is 55%~77%, with the maximum not exceeding 6.5438+million.
Expenses of medical consumables outside the scope of medical insurance: after deducting the deductible line of 20,000 yuan for hospitalization, special drugs and high-value medical consumables, they can be reimbursed by stages, and the reimbursement ratio is 45%~67%, and the highest can be reported as 6,543.8+0,000 yuan.
Reinsurance expenses for serious and serious diseases: within the scope of the above two guarantees, after deducting the deductible of 50,000 yuan, the treatment expenses that individuals have to bear can be reimbursed up to 45% and up to 6,543.8+0,000 yuan.
Expenses for rare diseases drugs: after being reimbursed by the rare diseases drug guarantee fund and medical assistance, the remaining expenses exceeding 50,000 can be reported as 45%, with a maximum of 200,000.
1, product advantage introduction
(1) Loose insurance requirements
This product can be bought as long as it is insured by the basic medical insurance in Jiangsu Province. There is no age, occupation or household registration restriction, and there is no requirement for the health status of the insured. You can insure against illness and compensate for past diseases.
(2) The guarantee content is good.
Jiangsu medicine huibao no. 1 contains four security responsibilities, covering both inside and outside the medical insurance, which can be reimbursed both in-patient and out-patient, and can be reimbursed twice for serious and serious diseases, regardless of disease types.
2. Product defects
(1) deductible
Although the coverage of this product is very high, there is a threshold for claims. Inpatient/outpatient medical deductible line1-20,000 yuan, critical illness reinsurance and rare disease medication deductible line 50,000 yuan each.
(2) one year 158 yuan
Many Huimin medical insurance in the market can get a one-year guarantee for less than 100 yuan, but this product needs 158 yuan/year, and the price is relatively high.