Xu Hui Insurance is led by Xuzhou Medical Insurance Bureau and underwritten by many insurance companies, such as PICC China, China Life Insurance and Ping An Pension. People in need can choose whether to insure after detailed understanding. The scope of reimbursement includes: medical insurance within the scope of medical insurance reimbursement, with a maximum compensation of 6.5438+0 million yuan and a deductible of 20,000 yuan, which can be reimbursed after deducting the deductible; China talks about drug outpatient service guarantee, with a maximum claim of 6.5438+0 million yuan and a deductible of 20,000 yuan, which can be reimbursed after deducting the deductible; Medical insurance beyond the scope of medical insurance reimbursement can claim a maximum of 500,000 yuan, with a deductible of 20,000 yuan, and can be reimbursed 50% after deducting the deductible.
The role of insurance:
First, the function of economic compensation.
Economic compensation is the basis of insurance, which can best reflect the significance and function of insurance, which is embodied in two aspects: property insurance compensation and personal insurance compensation. After the disaster, the insurer's timely payment function is of great significance for restoring normal life and production.
Second, the function of financial intermediary.
Putting the idle part of insurance funds back into the social reproduction process, the insurer must ensure the preservation and appreciation of insurance funds in order to make the insurance operation stable, which requires the insurer to operate the funds, thus ensuring the possibility of financing and enhancing the risk awareness in financing, which is also one of the manifestations of the integration of insurance significance and function.
Third, the function of social management.
The process of regulating the whole society and all links through the social management function of insurance aims to give full play to the functions of various systems, departments and links and realize the harmony and stability of social relations.
Fourth, transfer risks.
It is not a disaster that really leaves the insured, but the insurer uses all the financial resources to compensate the economic losses of the insured, in fact, it distributes the losses equally to the insured with the same risk.
In addition, some life insurance products not only have insurance functions, but also have certain investment value. That is to say, if there is no insurance accident during the insurance period, the premium you get will not only exceed the premium you paid in the past, but also have other benefits besides the principal. Therefore, insurance is both a guarantee and an investment income.