What is Lecheng Global Special Drug Insurance? What are the advantages and disadvantages?

The incidence of cancer has increased significantly. With the development of medical technology, the cure rate of cancer has obviously improved, but the medical expenses are still high, especially the cost of cancer drugs. Many special drugs cannot be reimbursed, and hospitals may not necessarily buy them. Taiping Life Insurance newly launched the national version of Boao Lecheng Global Special Drug Insurance in Hainan Bonded Port, which is a comprehensive benefit supplementary medical insurance for special drug expenses. Henghuanqiu Special Medicine Insurance (Hainan Edition) is based on the high-quality medical equipment resources in Boao Lecheng Experimental Zone to provide protection for the people of Hainan Province. Guidance of Hainan Boao Lecheng International Medical Tourism Experimental Zone Administration. China Pacific Property Insurance Co., Ltd. Hainan Branch, China Life Insurance Co., Ltd. Hainan Branch, China People's Property Insurance Co., Ltd. Hainan Branch, Taiping Life Insurance Co., Ltd. Hainan Branch, Huaan Property Insurance Co., Ltd. South Branch, a specific drug, is used for medical insurance reimbursement for the treatment of cancer and rare diseases.

Advantages: Hainan version of Lecheng has a low threshold for global special drug insurance. Hainan edition has no age, occupation and health requirements. Anyone who holds Hainan household registration, ID card and Hainan medical insurance and their immediate family members can buy it. Lecheng Global Special Drug Insurance Hainan Edition, 30% of previous diseases can be reimbursed, and the old version is not reimbursed. Diseases before the entry into force of this agreement refer to diseases or symptoms suffered before the entry into force of this contract. On the basis of the old version, it has increased the global special drug insurance varieties, provided 75 kinds of overseas special drugs, and reimbursed 25 kinds of domestic special drugs, covering 42 kinds of tumors and rare diseases.

Disadvantages: the insurance age of the Bank of China version is limited, and the insurance age of Lecheng Global Special Drug Insurance is 28 days to 60 years old. People over the age of 60 cannot be insured, which is different from Hainan's unlimited endowment insurance. Hospitalization and outpatient medical expenses will not be reimbursed. Lecheng Global Special Drug Insurance only reimburses special anticancer drugs, and medical expenses caused by accidents or diseases will not be reimbursed after the waiting period. Need to configure millions of medical insurance, and then supplement the special drug insurance.

The medical institutions designated by China to use 25 kinds of specific drugs are public hospitals classified by hospitals of the State Council health administrative department or medical institutions designated or recognized by insurers, but excluding outpatient service, rehabilitation, nursing, recuperation and alcohol. Drug abuse and other similar medical institutions. At the same time, the hospital must have medical equipment that meets the relevant hospital management standards. Hospitals must have qualified doctors and nurses to provide medical and nursing services 24 hours a day. The international medical institutions designated to use 75 kinds of special drugs are: Hainan Boao Super Hospital, Boao Evergrande International Hospital, Hainan Provincial People's Hospital Leshan Branch, Hainan Boao Leshan International Hospital, and Hainan Provincial Maternal and Child Health Hospital Leshan Branch.