1. Coverage: Huiningbao's coverage includes hospitalization expenses and specific drug expenses, while Huiningbao's coverage is narrow, including only comprehensive medical expenses (hospitalization expenses, specific outpatient medical expenses, outpatient surgery expenses, outpatient and emergency expenses before and after hospitalization) and specific drug expenses.
2. Payment ratio: In Huimin Insurance, the payment ratio is 70%, of which the payment ratio for specific drug expenses is 70%. In Huiningbao, the compensation ratio of comprehensive medical insurance is 80%, and the compensation ratio of specific drug expenses is 80%.
3. Deductible: Huimin Bao deductibles 20,000 yuan, Huiningbao deductibles 1.8 million yuan.
To sum up, there are some differences between Huimin Insurance and Huining Insurance in terms of coverage, payment ratio and deductible. You can choose the appropriate insurance products according to your own needs and actual situation.