So,
1. What is "Tianyi Yongningbao"
The release of "Ningbo Yonghui Insurance" and "Ningbo Citizen Insurance" in 2020 is a useful exploration for Ningbo to build a multi-level medical security system and a major progress in Ningbo's medical security work. On the basis of last year's successful experience, in 20021year, under the joint guidance of Ningbo Medical Insurance Bureau, Ningbo Local Financial Supervision Bureau and Ningbo Supervision Bureau of Bank of China Insurance Regulatory Commission, "One-day Yongningbao" was officially launched.
Compared with "Ningbo Yonghui Insurance" and "Ningbo Citizen Insurance", "Tianyi Yongning Insurance" extends the coverage to the expenses outside the medical insurance catalogue, with higher coverage, wider scope and more comprehensive protection!
2. Is "Tianyi Yongning Insurance" worth buying?
The first condition is that you must have Ningbo medical insurance (employee medical insurance, resident medical insurance and rural insurance).
Especially suitable for:
1. Very old people
2. People with past diseases
3. High-risk occupational groups
4. Personnel with limited insurance budget should look at the highlights of the products first:
1. No household registration, no age, no occupation.
As long as it is insured by Ningbo medical insurance, it can be insured. 139 yuan is guaranteed for one year, and the price is suitable for all ages.
2. The former illness can be remedied.
Not limited to physical health, no physical examination, no waiting period, can be insured or compensated for past diseases. You can buy it even if you have cancer and are being treated! This is the most advantageous place compared with other medical insurance, and it is really a conscience.
3. Support the payment of personal account balance of medical insurance over the years.
It can be purchased for parents, children and spouses, and friends with large balance can pay directly with medical insurance without extra charge.
4. Out-of-pocket medical expenses for malignant tumor prescriptions can be reimbursed.
Relieve the pressure of high drug purchase cost for cancer patients and treat them with peace of mind. △ The maximum amount of drugs for specific rare diseases is 700,000 yuan.
3. What are the shortcomings of "Tianyi Ningbo Insurance"
1. Yongningbao's responsibility is only at its own expense.
This "at your own expense" does not mean spending money yourself. In the field of medical insurance, the concepts of "self-payment, self-payment and personal commitment" only belong to the concept of self-payment, so a "self-payment" is not simply equivalent to "money paid by yourself". This concept is very complicated, so I won't explain it here. If a patient spends 200 thousand, it's all in the medical insurance catalogue. Suppose the social security reimbursement is 6,543.8+0.6 million, and the remaining 40,000 is totally out of the scope of Yongning insurance, because it does not belong to your "self-paid" part.
2. High deductible
The first three liabilities have a separate deductible of 20,000. For the self-funded responsibility of hospitalization and specific outpatient service, the "self-funded part" of special diseases in hospitalization or outpatient service exceeds 20,000. Here, let's think about it. After general hospitalization and social security reimbursement, how many will pay more than 20 thousand at their own expense?
3. The reimbursement rate is limited.
No matter whether there are friends with past medical history or not, there will be a limit on the proportion of compensation when claiming. Of course, if you have a past medical history, the proportion will be lower.
Case analysis reference: Generally speaking, Tianyi Yongning Insurance is still a very "inclusive" product, and it is highly recommended that the following groups of people take out insurance:
1. There is no better commercial insurance to choose after a serious illness, only friends with social security can choose;
2. Older people, who are older and have many physical problems, can buy without cost-effective commercial insurance;
3. Friends who have insurance awareness but limited economic ability and can't afford commercial medical insurance can buy it;
4. People engaged in high-risk occupations.
In addition, tianyi Yongning insurance can also be paid with the balance of the medical insurance card over the years. In fact, most young people have little chance to use medical insurance every year. Why not use these "spare money" to buy a guarantee for your family?
Fourth, how to buy "Tianyi Yongning Insurance"
The threshold of "Tianyi Yongning Insurance" is low, and all insured persons who meet the conditions of basic medical insurance in Ningbo can participate in the insurance.