The difference between citizen insurance and millions of medical insurance

Citizen insurance is jointly sponsored by the government and PICC. It is a supplementary product based on the medical insurance system. The premise of buying citizen insurance is medical insurance. Millions of medical care belongs to commercial insurance, and there are many differences between them. First of all, the insurance thresholds are different. Citizens' insurance has a low threshold, and they can be insured if they are sick, and there is no requirement for physical conditions. Anyone who participates in the new rural cooperative medical system, employee medical insurance and urban residents can participate in public insurance. However, the enrollment conditions of Million Medical are more stringent, requiring the insured to be in good health, and some high-risk occupations of Million Medical cannot be insured. Secondly, their coverage is different. The scope of public insurance reimbursement is narrow, mainly social security drugs, and only 30 special drugs can be reimbursed. Millions of medical treatments can be reimbursed as long as they are needed for illness, and some millions of medical treatments can also be reimbursed for purchased drugs. At the same time, some expensive imported and targeted drugs can also be reimbursed. Millions of medical services also have special outpatient services and oncology departments, and also provide practical value-added services. Therefore, the coverage of millions of medical care is wider and it has more advantages than citizen insurance. Moreover, the boundaries between the two are different. Public insurance pays 85%, while millions of medical expenses can be reimbursed by 100%, that is, how much can be compensated. And the limit will not be paid in proportion. So millions of medical care usually pay more and more comprehensively. 1. The advantages of citizen insurance are as follows: 1. there is no age limit.

There is no age limit for Hangzhou citizen insurance. As long as you are born more than 28 days, you can apply for insurance, from children to the elderly. Even the elderly can buy Hangzhou citizen insurance as long as they have medical insurance. It is difficult for the elderly to buy commercial medical insurance. Some people refuse insurance directly because of age restrictions, while others refuse insurance because of poor health. If there are elderly people at home, then Hangzhou citizen insurance is a good choice.

2. There is no waiting period

Commercial medical insurance basically has a waiting period, such as 30 days, 60 days and 90 days. If risks occur during the waiting period, the insurance company will not settle claims, so for the insured, the shorter the waiting period, the better. There is no waiting period for Hangzhou citizen insurance, that is to say, even if you are hospitalized on the second day after taking effect, the medical expenses incurred can be reimbursed by Hangzhou citizen insurance, which is more advantageous than commercial medical insurance. 3. No health notice

When you apply for commercial insurance, you will generally be informed of your health. Health notification refers to informing the insured of his physical health, and the insurance company will judge whether you are qualified to insure the product. This is probably a refusal of insurance to a friend with abnormal health. However, Hangzhou citizen insurance can compensate for past diseases without health notice, but it can not compensate for hospitalization expenses and specific drugs for some major diseases, such as malignant tumors, liver insufficiency, chronic respiratory failure and paralysis. 2. The disadvantages of citizen insurance are as follows: 1. The scope of reimbursement is narrow.

Hangzhou citizen insurance can only be reimbursed within social security, but not outside social security. The scope of drugs, designated hospitals, disease reimbursement and medical treatment is stipulated, and the medical insurance expenses beyond the scope cannot be reimbursed.

2. High deductible

Deductible refers to the amount that the insurance company is not responsible for compensation. The medical insurance deductible line in the market is generally 6.5438+0 million yuan, while the deductible line for Hangzhou residents is 20,000 yuan, which is relatively high. Moreover, this deductible can only be reimbursed after social security reimbursement, and it will cost more than 20,000 yuan.

3. Low reimbursement rate

The reimbursement rate of hospitalization medical expenses of Hangzhou citizen insurance is 75%, and the remaining 25% medical expenses can only be paid out of their own pockets. The proportion of medical insurance reimbursement in the market is generally 100%. Therefore, Hangzhou Minbao is slightly inferior in the proportion of compensation. Legal basis: Article 3 of the Insurance Law of People's Republic of China (PRC) This Law is applicable to insurance activities in People's Republic of China (PRC).