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1. Wuhu recently launched commercial supplementary medical insurance. The name of this Huimin insurance is "Wuhu Worry-Free Insurance". This product is the first universal medical insurance in Wuhu. The biggest difference between it and supplementary local medical insurance in other cities is that past diseases can be guaranteed and compensated, which is a great boon for seriously ill patients. From the perspective of product public welfare, although Huimin insurance in all cities can be insured against illness, this product can be paid for serious illness, no matter what disease you have suffered before, you can be insured and you can claim compensation. In the past, patients with diseases can reimburse 40% of the medical expenses within the scope of "Wuhu Youbao", which has truly realized universal benefits for the people. Generally speaking, Wuhu Worry-Free Treasure is more reliable, so there is no doubt.
2. Although Wuhu Youbao is good, it has two inevitable defects: the reimbursement rate is low. After the hospitalization fee of 20,000 yuan outside the medical insurance catalogue, it will be reimbursed by 40%, which can be reimbursed by 100% compared with millions of medical insurance in the market. This product reimbursement is a bit weak; Second, although the reimbursement of "Worry-Free Treasure" does not restrict the disease types or the drug list, the compliant self-funded drugs outside the medical insurance list can also be reimbursed, but the specific drugs outside the hospital are not compensated, which is a big deficiency. Therefore, healthy people give priority to millions of medical insurance. This product is more suitable for people who are refused by commercial medical insurance, sub-healthy people or people over 60 years old.
3. Wuyoubao is an inclusive commercial supplementary medical insurance product, which is jointly underwritten by PICC Health Wuhu Central Branch, PICC P&C Wuhu Branch and Taikang Pension Anhui Branch, among which PICC P&C is the main underwriting unit, while PICC Health, PICC P&C and Taikang Pension are all regular domestic insurance companies with high credibility and strong company strength. Most importantly, worry-free treasure is a product known to the government. It is jointly guided by the Medical Insurance Bureau, Wuhu Supervision Branch of China Banking Regulatory Commission, China and Wuhu Insurance Industry Association. You can rest assured that there is guidance and supervision from government departments.