This year's Huimin fidelity in Chongqing can be said to be "we shouted a thousand times before she started coming to us." As early as the beginning of last month, it was basically determined that this product was called "Chongqing Express Insurance", and Uncle Miao also saw the basic product form. However, due to some objective reasons, the product was postponed repeatedly, from 1 18 in October to 25th, and then to 12.
Because of some compliance reasons, I have been afraid to post articles indiscriminately. It's really not worthwhile to be labeled accidentally. I received the final product information yesterday, so I will spend some time sorting out this product, hoping to help you.
If you don't want to read the text, you can add Miao Shu WeChat waitmi first, and then directly pull it to the end of the text, which is similar. The following is a detailed analysis of the product.
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First of all, the product of Chongqing Huimin Insurance this year is called "Chongqing Chongqing Express Insurance", which is a "customized inclusive commercial supplementary medical insurance for cities". The products are supervised by Chongqing Medical Insurance Bureau and Chongqing Banking Insurance Supervision Branch, underwritten by Ancheng Property Insurance Co., Ltd., a local property insurance company, and underwritten by PICC P&C Insurance, China Life Insurance, Taibao Property Insurance, Ping An Property Insurance, Zhonghua Property Insurance, Dida Property Insurance, Sunshine Life Insurance, Everbright Life Insurance and Taikang Pension Insurance. Then some operational supporters and technical service providers will not go into details. In a word, this product is officially regulated, and many regional brands are * * * *.
Compared with last year's Chongqing Bao Hui, which only contained one version of 69 yuan, this year's Chongqing Express Insurance has two versions, namely, one-year inclusive payment in 69 yuan and one-year upgrade payment in 169 yuan.
The insured population of the product is required to be the insured population of Chongqing basic medical insurance, including urban workers and urban and rural residents. Next year's medical insurance for urban and rural residents is now on sale, so you can follow the process of issuing numbers in my previous video.
In terms of content protection, the product responsibilities of the two versions are viewed separately. The first is Pratt & Whitney:
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Universal benefits are guaranteed in two aspects: medical insurance pays out of pocket, reimbursement for new diseases is 55%, reimbursement for previous diseases is 10%, and annual deductible is15,000 yuan; For out-of-pocket expenses other than medical insurance, the reimbursement ratio is the same as above, and the annual deductible is 5000 yuan. The above two guarantees each have a maximum amount of 6.5438+0.5 million.
Next is the upgrade:
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There is one more compensation for upgrading, one * * * three: out-of-pocket expenses in medical insurance, 80% reimbursement for new diseases, 30% reimbursement for previous diseases, and annual deductible 15000 yuan; For out-of-pocket expenses other than medical insurance, the reimbursement ratio is the same as above, and the annual deductible is 5000 yuan. The above two guarantees each have a maximum amount of 6.5438+0.5 million. In addition, a new responsibility is added: the specific out-of-hospital self-funded drug expenses, the reimbursement ratio is the same as above, 0 is free of compensation, and the annual reimbursement amount is 500,000.
Both of the above two versions cover reimbursement at their own expense, and the upgrade even includes special drugs, covering 3 1 tumor special drugs and1rare disease special drugs, which is very powerful. The difference between the two versions is that the reimbursement ratio is different, and the upgrade has special drug expenses reimbursement.
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Precautions Pay attention to two points in the above guarantee content. First, explain past patients and new patients. The so-called "new population" refers to the population in Chongqing who have not enjoyed large medical insurance for employees or serious illness insurance for residents in the past two years; "Past patient group" refers to those who have enjoyed large medical insurance for employees or serious illness insurance for residents in Chongqing within two years before the date of enrollment.
For example: 1. Mr. Wang, Mr. Li and Mr. Lei bought Chongqing Chongqing Express Insurance on 202 1 1 9, and Mr. Wang bought Chongqing Chongqing Express Insurance on 2011. 2. Mr. Li enjoyed the critical illness insurance on 20 1 19 10/8, but from 2016543819 to 206543818. 3. Mr. Lei purchased Chongqing Chongqing Express Insurance, and the policy came into effect on June 65438+ 10/day, 2022. If he enjoys the reimbursement of serious illness insurance in mid-2022, he will be entitled to "the treatment of Chongqing employees' large medical insurance or residents' serious illness insurance for the first two years" in the next year, which belongs to the previous patient group.
The second point is that if the benefits are not over after the insurance expires:
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Compared with the previous version, the handling of this scarlet letter mark has been slightly adjusted. If it involves cross-year treatment, the new version should remember to renew the insurance normally.
The following is the agreement of Beyond Insurance 2020:
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This is the agreement of E Life in 2020:
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Maybe a little picky. Uncle Miao thinks the problem is not big. If Chongqing Express Insurance is renewed normally next year, the above-mentioned cross-year treatment is also a normal claim, and everyone can treat it rationally.
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For example, if I buy such an insurance, how much can I reimburse? Uncle Miao found a netizen's case as an example: suppose Lao Wang is an employee's medical insurance, 50 years old this year, and is treated in a 3A hospital. The medical expenses are 69,000 yuan, and the personal expenses are as follows:
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Among them, Class B drugs are only of certain value, not necessarily the proportion of out-of-pocket expenses. According to the employee's medical reimbursement, Lao Wang's personal expenses are 20523 and 8000, totaling 28523 yuan. If he buys the universal insurance of Chongqing Express Insurance, the amount he can pay is (20523-15000) * 55%+(8000-5000) * 55% = 4688. If it is an upgrade, the amount that can be paid is 68 18.4 yuan, which is more than 2,000 yuan more than Pratt & Whitney. That is to say, this hospitalization, Lao Wang himself bears 2 1704.6 yuan, and Uncle Miao thinks the reimbursement ratio is ok.
Similarly, if Lao Wang is a resident with medical insurance and has the same hospitalization time, then the amount of insurance he can get through Chongqing Express Insurance will be higher, know what I mean?
Having said so much for the crowd, Uncle Miao wants to say that this year's Chongqing Express Insurance has really improved a lot compared with last year's Chongqing Bao Hui. Although he will still bear part of the cost, he should give it a good review for the sake of price.
So what kind of people is this product suitable for insurance? Miao Shu thinks there are four categories:
The first is the elderly group. This kind of people are old and in poor health, and millions of medical insurance on the market are basically impossible. Chongqing Kuaibao quickly arranged a person.
Followed by the sick. It is also because of physical reasons that I can't afford other types of commercial insurance, so I can also buy a copy of this product.
Then there are high-risk occupational groups. Because of professional reasons, these people basically do not contact other commercial medical insurance, so it is worth arranging one.
Finally, people who underwrite some diseases except ordinary commercial medical insurance will buy one for themselves. Except for some other commercial medical insurance, Chongqing will have the opportunity to reimburse it.
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Written at the end, Chongqing Express Insurance supports social security card insurance this year. It is suggested that every friend can send a copy to eligible people at home, which is really out of "love and responsibility"
As for which version to choose, properly choose the upgrade, the reimbursement ratio is much higher, the responsibility of special drugs is increased, and the cost performance is really bursting! If you want to insure, you can find an agent friend around you. It seems that they are under a lot of pressure this year. Of course, if you think Uncle Miao is OK, you can directly insure through the QR code link below. Every time you sell a copy of Chongqing Express Insurance, it is equivalent to rewarding Uncle Miao with a bowl of noodles without fried eggs. Most importantly, we have a chance to get to know each other and become my customers. I will spoil you.
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