Huimin insurance is supposed to acquire customers through cooperation with government agencies and industry associations, which is beneficial to insurance companies, customers and even the government. After all, the major capitals and the government have joined forces with the whole development of health to create benefits for underwriting customers.
Is it true to see Liaoning Huibao2023? From the government's point of view, taking Liaoning Huiliaobao 2023 product as an example;
1. Instructor: Liaoning Provincial Medical Security Bureau, Liaoning Provincial Local Financial Supervision Administration and the first provincial-level inclusive commercial health insurance provided by local insurance companies;
2. Medical insurance card participation: Medical insurance cards can be insured, which is very convenient.
So from these directions, there is no doubt that Liaoning Huibao2023 is true.
Method 2: From the guarantee content.
The underwriting content of Huimin insurance is very similar to Huimin insurance, and it is impossible to directly judge the authenticity, but the completeness of the core guarantee will be more beneficial to the insured. Take Liaoning Huiliaobao 2023 product as an example:
1, medical insurance hospitalization expenses: the maximum insured amount is 2 million, and the compensation is 1.8 million, with 70% of non-previous diseases and 50% of previous diseases;
2. Hospitalization expenses outside medical insurance: the maximum insured amount is 6.5438+0.8 million yuan, and the deductible amount is 6.5438+0.8 million yuan, 40% for non-previous diseases and 20% for previous diseases;
3. Prescribed special food medical treatment: 1 1,000 yuan, 0 free of compensation, 1 1,000%, applicable to people over10.8 years old who have been diagnosed with phenylketonuria.
Judging from the rationality of the guarantee, this product does not cover high-self-funded drugs outside the medical insurance catalogue, which is a defect and needs to be paid attention to;
Method 3: From the perspective of products benefiting the people.
A supplementary local medical insurance, to identify the authenticity, can directly see whether people with past diseases can participate in the insurance and whether there is a certain amount of compensation, which is very important.
Liaoning Huiliao Insurance 2023 is limited by age, occupation and health status, with the same price for all ages and comprehensive protection. Only 1.29 yuan is required to leverage 30 1 10,000 yuan a year, and the cross-city reimbursement in the province is the same proportion. If it is purchased by a minor, you need to supplement the legal guardian information;
More importantly, there are few requirements for specific past diseases, including malignant tumors, hematological diseases, cardiovascular and cerebrovascular diseases (coronary heart disease, myocardial infarction, cerebral infarction, cerebral hemorrhage), and claims can also be made. After deducting the corresponding deductible, you can directly reimburse 20%-50% to reduce the medical expenses of seriously ill patients, which is still relatively public welfare.
The content analysis of Liaoning Huiliao newspaper 2023 is true here, and I hope it will help you.