The price is very cheap: whether it is 0 or 80 years, it only costs tens of dollars. Loose health information: you can buy it even if you have cancer, regardless of your physical condition or with few restrictions. Applicable to a wide range of people: usually not limited to age occupations, as long as there is medical insurance, you can buy it.
Coupled with Huimin's maintenance of the government platform, natural trust helps brand promotion, and then quickly gains everyone's pursuit.
Up to now, nearly 100 cities have launched Huimin insurance. It looks dazzling, but they are all born to the same mother and look alike.
Huimin insurance has many benefits, but it is different from millions of medical care. So how should we choose between the two? We continue to look down.
In fact, Huimin Bao and Million Medical are the same kind of products, both of which are used to reimburse medical expenses. How to choose depends on the situation.
1, you can buy millions of medical care, and there is no need to buy Huimin insurance.
When you are in good health, buying medical insurance is not a problem. Of course, choose products with better protection.
Who has better protection? We chose a Huimin insurance and a million medical care for comparison:
It can be seen that the 360-city Bao Hui has the following shortcomings compared with the exclusive E-student 202 1:
Incomplete coverage: Most Huimin insurance only reimburses social security and specific drug costs, and is not as comprehensive as millions of medical services. The deductible is higher: the deductible of Huimin insurance is 20,000 yuan, which is much higher than the 1 10,000 yuan deductible of general million medical care. There is no guarantee for renewal: Huimin insurance is mostly 1 year medical insurance, which needs to be re-examined. Even if there is a government endorsement, it is still the commercial behavior of the insurance company, and it is difficult to renew the insurance if it is lost.
If you can buy millions of medical care, naturally give priority to better protection, and you don't need to buy Huimin insurance, nor can you reimburse it twice.
2. Except for millions of medical quilts, they are all matched with Huimin insurance.
Huimin insurance is the same as national medical insurance. Even if you have cancer, you can buy it without health notice.
If we exclude the purchase of millions of medical services, such as breast and thyroid diseases, we can supplement Huimin insurance to bear this part of the responsibility.
However, it should also be noted that most Huimin insurance companies do not compensate for major or rare diseases that existed before insurance.
3, can't buy millions of medical care, buy Huimin insurance.
If you have heart disease or cancer, you can't buy millions of medical care except medical insurance.
Then, if you can't buy millions of medical care, I suggest buying a Huimin insurance.
Moreover, some Huimin insurances, such as Nanjing Ninghuibao, can reimburse 20% for major diseases that existed before the insurance. For seriously ill patients who can't buy other insurance, even 20% reimbursement is a timely help.
In addition, if you only buy anti-cancer medical care, you can add a Huimin insurance. Anti-cancer medical insurance only reimburses the cost of cancer treatment, while Huimin insurance can reimburse both cancer and other diseases.
We have compiled a few common questions about Huimin insurance, hoping to help you understand it further.
1. Does every city have products like Huimin Insurance?
When the city goes online to benefit the people, we will evaluate it according to the feedback from our friends.
At present, we have written evaluation articles on Huimin Insurance in Shanghai, Shenzhen, Beijing, Guangzhou and other cities. You can reply in the official dialog box: Huimin insurance, see the article you need.
Of course, there are still many cities that we haven't evaluated yet. However, we have summarized the Huimin insurance in all parts of the country. You can reply in the public dialog box: In other cities, check whether there is relevant Huimin insurance in your hometown.
If the city where you live is not online, you can also pay attention to Bao Hui, a 360-city that can be bought all over the country, search Bao Hui, a 360-city, and pay attention to the official WeChat account.
2. Hui Minbao, is it necessary to buy it again?
Now many cities have provincial and municipal welfare insurance, and many people are wondering whether they should buy all of them.
If you can't buy millions of medical care because of your physical condition and feel that the coverage of a Huimin insurance is not enough, you can also consider buying it all.
If you buy two kinds of Huimin insurance, the medical expenses after the first reimbursement will still exceed the deductible of the second Huimin insurance before reimbursement.
Because the deductible line of Huimin insurance is basically around 20,000, and the self-funded expenses after reimbursement within the scope of social security are required, the threshold is still very high, and the medical expenses are basically above 65,438+10,000 to use Huimin insurance.
If physical conditions permit, it is better to choose millions of medical care than to buy two Huimin insurances.
"Warm a city, protect a person" is the slogan of benefiting the people in a certain place.
As the name implies, Huimin insurance can start a prairie fire like a single spark, so that ordinary people can buy a high supplementary medical insurance with little money.
I hope Huimin Bao will make persistent efforts to bring us better products and services.
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