Why not recommend buying Huimin Insurance?

Although Huimin Fidelity has just opened the awareness of the vast majority of ordinary people about the correct risks of health insurance, it is precisely because it is a new product, a commercial supplementary medical insurance, and also an attempt to assist the construction of social security medical insurance, which is beneficial to the government, insurance companies and ordinary people.

However, due to its "congenital deficiency", there will be some hidden risks if it develops in the long run. The reasons why it is not recommended to buy it are as follows:

1. Unreasonable pricing:

Huimin Insurance in various places basically adopts the method of "the same price for all ages", but in terms of depth, the risk of old people participating in insurance is 1% greater than that of young people, and younger people or young people have to pay more.

2. The threshold for claim settlement is quite high:

The essence of Huimin Insurance is to benefit the people more. Although this kind of supplementary medical insurance in cities has the same feature that the underwriting threshold is particularly easy, for most mainstream products, serious illness will undoubtedly involve hospitalization expenses inside and outside the medical insurance catalogue, specific outpatient service and the protection of postoperative anticancer drugs, but most products are exempted from each responsibility by 2, yuan. In other words, you have to pay more than 6, yuan at your own expense before you can get involved in Huimin Insurance. That is to say, after social security reimbursement, you have to pay 6, yuan at your own expense, so the overall medical expenses must be 1, yuan, which is quite high and relatively practical.

3. The reimbursement rate is relatively low:

If you are seriously ill, millions of medical insurance in the market can be reimbursed 1% after passing the social security, but Huimin insurance is usually not available. Generally, you are hospitalized outside the medical insurance catalogue. For this most expensive medical treatment project, most products are reimbursed 5%-8%, and this treatment fee claim is small, which can not reflect the practical value of the products;

4. Unification of guarantee responsibility:

Why not buy Huimin insurance? It is a common phenomenon that the guarantee responsibility is not unified. The medical treatment items of mainstream products generally include hospitalization in the medical insurance catalogue, hospitalization outside the medical insurance catalogue, and specific drug guarantee.

A lot of products are either hospitalized outside the medical insurance catalogue or don't cover specific drugs, while individual products, besides comprehensive core protection, also expand CAR-T medical care and proton heavy ion medical care, which are not uniform in different places. Because the insured people don't know insurance knowledge, it is easy to buy inappropriate products.