Very formal. "Qin Huibao" is an exclusive inclusive commercial supplementary medical insurance for citizens in our province. At present, it is only open in Xi 'an, but not in other cities. Qin Huibao, with low price, less restrictions, wide responsibilities, wide scope and high safety, can greatly reduce the personal burden of Xi citizens after medical insurance reimbursement and the medical burden of the insured, which is conducive to building a multi-level medical security system.

1, low premium, high cost performance. Bao Qin's premium is treated equally, regardless of gender, age, serious illness or not, the price is the same in 59 yuan, and ordinary people have little pressure to pay. Eat less meat, you can have medical insurance for one year, which is more affordable. At the same time, 59 yuan can get 3 million medical insurance, including 6.5438+0.5 million hospitalization insurance and 6.5438+0.5 million specific drug insurance, which is very cost-effective.

2. Insurance conditions are relaxed. . Compared with other commercial medical insurance, Huiqinbao is much more lenient to the insured. There is no restriction on the registered permanent residence, age and occupation of the insured, and no medical examination is required, only Shaanxi medical insurance is required! I am afraid that only Huimin insurance, a Huimin project, has such relaxed insurance conditions.

3. The scope of reimbursement is wide. Hui Bao Qin can not only reimburse the hospitalization expenses within the scope of medical insurance, but also the medical expenses of specific outpatient clinics and 20 kinds of highly specific drugs, which has a wide reimbursement range and is more beneficial to the insured. After summing up the highlights, dad said something about its shortcomings. The deductible line for hospitalization medical expenses within the scope of medical insurance in Qin Hui is 20,000, and the threshold for claims is relatively high, while the general deductible line for millions of medical insurance is generally 1 1,000, and some of them are even lower. But considering that the annual premium only needs 59 yuan, what kind of bicycle do you need?

4. Case analysis of Hui claim. Although the premium in Qin Hui is relatively cheap, the insured can apply for reimbursement as long as they meet the payment conditions. As for how much money can be reimbursed and how to reimburse, I believe everyone has doubts in this regard. Next, Dad will answer everyone's doubts through the demonstration case of Hui Bao Qin's claim. Now suppose: Mr. Li, 32, a native of Shaanxi, is also an insured of medical insurance in Shaanxi Province. After Huiqinbao went online, Mr. Li took a fancy to Huiqinbao's high cost performance and decided to start with protection. Six months later, Mr. Li was diagnosed with liver cancer in an examination, and the medical expenses for treatment and treatment totaled 584,000 yuan. Since Mr. Li participated in the medical insurance, the medical insurance fund and critical illness insurance can be reimbursed 352,000 yuan, so the medical expenses that Mr. Li needs to bear personally are 232,000 yuan. Mr. Li's personal medical expenses are 232,000 yuan, including 1 18000 yuan (personal supplement in the medical insurance catalogue), 23,000 yuan (all personal expenses outside the medical insurance catalogue) and 9 10000 yuan for cancer-specific drugs. Mr. Li thinks that he is a returnee and meets the claim conditions, so he applies for a claim. Reimbursed part of Mr. Li's personal medical expenses. The reimbursement details are as follows: (1) Self-paid expenses within the scope of medical insurance:1.8-20,000 yuan (self-paid) × 80% = 78,400 yuan. (2) Specific drugs for cancer: 9 1 10,000× 80% = 72,800. In other words, Qin Huibao can reimburse 78,400+82,800 =15.120,000. Mr. Li's personal actual expenditure is 23.2-15.12 = 80,800 yuan. It can be seen that after reimbursement, Mr. Wang's burden of medical expenses has been further reduced.