2. I would like to remind you that if the insured is a minor, the change of the insured cannot be signed by the insured, but needs the signature of the legal guardian of the insured. That is, when the insured is a minor, the legal guardian of the insured, the original applicant and the new applicant need to sign.
Finally, it is worth mentioning that if the insured is changed because of the death of the original insured, it is necessary to pay attention to whether the insurance has the death exemption of the insured. If it has the death exemption of the insured, then don't change the insured. Because according to the contract, after the death of the insured, there is no need to pay the premium, but the policy contract continues to be valid, and there is no need to go through the change procedures on the condition that the insured is exempted from death.
Weifang Huimin Insurance, a basic medical insurance for the insured in Weifang City, Shandong Province, is an inclusive commercial supplementary medical insurance jointly underwritten by many government departments and insurance companies.
Weifang Huimin Insurance covers the period from1October 202 1 to 3 1.11.05438+0 ~ 2022+00.338+0.
Special reminder: don't miss the insurance time and pay attention to the insurance date.
How to buy Weifang Huimin insurance?
1. Can the health notification be passed?
Whether the insurance liability is good or not is the second, whether it can be bought is the key, and whether it can be bought is based on whether it can be informed healthily.
Weifang Huimin Insurance has no health notice, and all participants of Weifang basic medical insurance can buy it.
2. Whether the insurance liability is complete.
The specific drug list remains unchanged in principle, but it will be adjusted every year according to the national list and the individual drug use of the insured.
(1) Out-of-pocket hospitalization expenses in medical insurance coverage.
Annual reimbursement limit: 6.5438+0.5 million yuan/year (shared with door users).
Deductible: 1.8 million.
Reimbursement ratio: Pay by installments, excluding personal expenses of 6.5438+0.8 million, 65% below 6.5438+10,000 (inclusive), 80% between 6.5438+10,000 and 500,000 (inclusive), and 95% above 500,000.
Special reminder: if you transfer to other places for medical treatment according to medical insurance regulations, the compensation ratio will be reduced by 5%; The compensation ratio will be reduced by 15% for those who are not referred to hospital or temporarily go out for medical treatment according to medical insurance regulations.
(2) Out-of-pocket expenses for outpatient chronic diseases within the scope of medical insurance.
Annual reimbursement limit: 654.38+0.5 million/year (shared with hospitalization expenses).
Deductible: 1.8 million.
Reimbursement ratio: 70% for non-past diseases and 40% for past diseases.
Special reminder: if you transfer to other places for medical treatment according to medical insurance regulations, the compensation ratio will be reduced by 5%; The compensation ratio will be reduced by 15% for those who are not referred to hospital or temporarily go out for medical treatment according to medical insurance regulations.