What's the matter with Dalian Gonghuibao?

Dalian Gonghuibao is an inclusive commercial supplementary medical insurance product, which belongs to Huimin welfare and is underwritten by Ping An Endowment Insurance Dalian Branch. Its insurance requirements are very relaxed, as long as they are trade union members, disabled people and their immediate family members can apply for insurance, and this product has no age and occupation restrictions, and centenarians or high-risk occupational groups can buy it. Henghuibao insured can apply online through the official account of "Henghuibao" WeChat, or make an appointment through the business outlets of PICC Hengshui Branch, and the business personnel will provide on-site service. However, it should be noted that this product is different from the requirements of Pratt & Whitney supplementary medical insurance in other regions. Dalian Gonghuibao also has requirements for the health status of the insured. If the following four types of past diseases have been diagnosed before the policy takes effect, then this product cannot be insured:

1. Tumors: Malignant tumors include carcinoma in situ, leukemia and lymphoma;

2, liver and kidney diseases: renal insufficiency, liver cirrhosis, liver dysfunction;

3. Cardiovascular and cerebrovascular diseases and glucose and lipid metabolism diseases: Ischemic heart diseases include coronary heart disease, myocardial infarction, chronic cardiac insufficiency, and cardiac function grade III and above; Cerebrovascular disease, cerebral infarction, cerebral hemorrhage and hypertension; Diabetes with complications;

4. Lung diseases: lung diseases such as chronic obstructive pulmonary disease.

legal ground

People's Republic of China (PRC) social insurance law

Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance, so as to guarantee citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity. Article 3 The social insurance system adheres to the principles of wide coverage, basic protection, multi-level and sustainability, and the level of social insurance should be compatible with the level of economic and social development. Twenty-sixth basic medical insurance for employees, new rural cooperative medical care and basic medical insurance for urban residents shall be implemented in accordance with state regulations.