1. But if there is comprehensive medical insurance of one million yuan, there is no need to buy similar products. Because the million-dollar medical insurance is comprehensive, even if you buy another one, you can't cover it any more. The characteristics of this kind of Huimin insurance are obvious. There are no restrictions on age, occupation, health status and past medical history, and the amount of protection is as high as 3 million. Ensure rich content. It can reimburse expenses not only in medical insurance coverage, but also outside medical insurance coverage. It covers critical illness insurance, supplementary medical care, hospitalization for specific diseases, outpatient medical insurance, reasonable drugs/materials supplementary medical care outside the medical insurance catalogue, special tumors, innovative drugs/consumables for major diseases, and special medicine care for three rare diseases. It can be used as supplementary medical insurance and can effectively reduce the burden on patients.
2. If the patient is hospitalized or needs outpatient treatment for specific diseases such as malignant tumor and hemophilia, the expenses inside and outside the medical insurance catalogue shall be reimbursed according to the regulations: the medical insurance catalogue: 80% of the medical expenses for serious illness can be reimbursed. Medical insurance catalogue: 65%-75% of self-funded items exceeding 10000 can be reimbursed. In addition, 28 special drugs and 3 rare drugs can also be reimbursed 60%. The list of specific drugs is as follows: Hangzhou West Lake Joint Insurance Evaluation: In addition to 28 insured drugs, the cost of drugs for 3 rare diseases can also be reimbursed: Noxisheng Sodium: used to treat spinal muscular atrophy. Wei: Treating mucopolysaccharide storage disease. Ripga: Treating Fabry's disease. The maximum reimbursement amount of these three drugs is only 6.5438+10,000, which is not high, but compared with other insurance types of Huimin Insurance, it is a icing on the cake to be able to reimburse rare diseases.
3. In addition, this product has two bright spots: the past symptoms are not limited: just like medical insurance, you can buy it even if you have cancer, and you don't need health advice, and the follow-up medical expenses can be reimbursed. Medical insurance card payment: You can use the money from the medical insurance card to pay the premiums for yourself and your family. The payout ratio of Yilianbao is not high, and the deductible is deducted for every guarantee. In case of serious illness, I have to bear a large medical bill. Therefore, for healthy friends, it is recommended to give priority to millions of medical care, which can be reimbursed almost 100%, and the coverage is wider. If you can't buy millions of medical care, or you can only buy medical insurance, you can consider buying an easy-to-connect package as a supplement. Mainly applicable to the following three types of people: too old: millions of medical insurance has an age limit, but a joint insurance does not. As long as there is local medical insurance, you can buy it. Poor health: Yilianbao does not need health information. You can buy it even if it is a serious illness.
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