Zhongan Youbao Medical Insurance Supplement is a universal inclusive medical insurance with a maximum insured amount of RMB 6 million. It is a medical insurance underwritten by Zhongan Insurance and is a supplement to social security medical insurance.

ZhongAn Youbao Medical Insurance Supplementary Fund can reimburse reasonable and necessary medical expenses for hospitalization outside the medical insurance catalog, as well as medical expenses for specific outpatient surgeries and major diseases, including kidney dialysis, radiotherapy and chemotherapy, and anti-rejection treatment after organ transplantation.

Supplementary medical insurance is: 1. Different from basic medical insurance, supplementary medical insurance is not mandatory through national legislation, but is voluntarily participated by employers and individuals.

It is a supplementary insurance that after the unit and employees participate in the unified basic medical insurance, the unit or individual appropriately adds medical insurance items based on needs and possibilities to improve the level of insurance protection.

2. Supplementary medical insurance is relative to basic medical insurance and includes various forms such as corporate supplementary medical insurance, commercial medical insurance, social mutual aid and community medical insurance. It is a powerful supplement to basic medical insurance and is also a multi-level medical security system.

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It is a supplementary insurance to ZhongAn Medical Insurance.

To sum up, Zhongan Youbao Medical Insurance Supplementary Fund is a supplementary insurance to Zhongan Medical Insurance, aiming to provide insured persons with more comprehensive medical protection.

Different from basic medical insurance, medical insurance supplementary funds mainly compensate for some specific high medical expenses, such as specific medicine fees, specific diagnosis and treatment project fees, etc.

Legal basis: Article 27 of the "Social Insurance Law of the People's Republic of China": Individuals participating in the basic medical insurance for employees who have accumulated contributions for the number of years specified by the state when they reach the statutory retirement age will no longer pay basic medical insurance premiums after retirement.

Enjoy basic medical insurance benefits in accordance with national regulations; those who have not reached the nationally prescribed years can pay premiums up to the nationally prescribed years.

Article 28 Medical expenses that comply with the basic medical insurance drug catalog, diagnosis and treatment items, medical service facility standards, and emergency and rescue expenses shall be paid from the basic medical insurance fund in accordance with national regulations.