2. The medical expenses of hospitalization outside medical insurance can be insured, and 60% can be reimbursed after deducting 20,000 deductibles;
3. The premium of special drugs for critical illness insurance can be reimbursed after deducting the deductible of 20,000100%;
4.8 kinds of drugs with special curative effect can be reimbursed 70% after deducting 20,000 deductible.
Huihebao is supported by Heze Medical Insurance Bureau, supervised by Heze Banking Supervision Branch, and underwritten by 1 1 insurance companies, helping Heze to improve the multi-level medical security system and tailor-made urban commercial health insurance for Heze citizens.
Huihebao is underwritten by Guoyuan Agriculture, Changan Liability Insurance, Renren Property Insurance, Yongan Property Insurance, Taiping Pension, Huaan Property Insurance, Dida Property Insurance, Jianxin Life Insurance, Ancheng Property Insurance, China Life Insurance and Sunshine Property Insurance 10.
1, insurance rules
Huihebao can be insured regardless of age, occupation and past medical history. As long as it is Heze employees' medical insurance and urban residents' medical insurance, they can buy it directly and enjoy the same treatment.
Almost achieved "zero threshold, full coverage", and the insurance conditions are very loose.
2. Guarantee content
Shandong Heze Huihe Insurance covers medical expenses of hospitalization within medical insurance, medical expenses of hospitalization outside medical insurance, 6 kinds of special drugs and 8 kinds of special curing drugs, which is relatively comprehensive.
Among them, the amount of hospitalization medical expenses within medical insurance is 6.5438+0 million, the amount of hospitalization medical expenses outside medical insurance is 6.5438+0 million, the amount of 6 kinds of special drugs is 6.5438+0 million, the amount of 8 kinds of special curing drugs is 50%, and the total guarantee amount is 3.5 million.
It can provide adequate insurance protection and reduce the economic burden caused by serious illness.
Let's look at the reimbursement ratio. Heze Huihebao medical insurance can be reimbursed 80% in the catalogue, 60% out of the catalogue, 70% for special efficacy drugs and 100% for special drugs. The reimbursement rate is still relatively high.
3. Premium
Heze Huihebao, as a Huimin insurance, the premium price is relatively close to the people, providing protection as high as 3.5 million yuan, only 129 yuan a year.
What are the highlights of Shandong Heze Huihe?
No waiting period, no elimination of past diseases
Huihebao's protection target is the people who are insured by employees and urban residents in Heze City. Insurance coverage is wide, and there are many beneficiaries.
The guarantee period of Heze Huihe Insurance is 20211February1-2022110 month, and there is no waiting period.
Other commercial medical insurance generally has a waiting period of 30 days. In contrast, the actual guarantee time of Shandong Heze Huihe Insurance is longer.
In addition, Shandong Heze Huihebao does not rule out any previous diseases.