(No matter how much you pay, the premium will be fully refunded after the expiration of 5 years)

Safeguard interests

1, with an initial deposit of 20,000-60,000 yuan and a five-year medical reimbursement account of 200,000-300,000 yuan. No matter how much repayment is received in five years, the deposit of 20,000-60,000 yuan will be returned in full at the expiration of five years, with interest as high as 200,000-300,000 yuan;

2. For the hospitalization expenses incurred during the five-year insurance period, 80% of the expenses that can be reimbursed by social security will be reimbursed above 400 yuan (400 yuan will be exempted for the whole year, which can be accumulated within one year, and the accumulated reimbursement can be as high as 6.5438+0.5 million -0.2 million yuan);

3.3 1 In addition to the above reimbursement, imported drugs, self-funded drugs and self-funded items that cannot be reimbursed by social security are also reimbursed by 80%, and the cumulative reimbursement can reach 50,000-65,438+10,000 yuan.

Insurance example

Mr. Zhang, 33, suffered from myocardial infarction last year. I stayed in Huashan Hospital for 35 days and had related surgery. This hospitalization cost 50,000, including 30,000 medical insurance and 20,000 medical insurance. So how much did Mr. Zhang reimburse for this hospitalization? How much has the worry-free medical plan been reimbursed? Let's look at the details:

The medical insurance cost is 30,000 yuan, and the hospitalization deductible is 65,438 yuan+0,500 yuan (at your own expense).

Social security payment (overall planning): (30000- 1500)X85%=24225 yuan.

Out-of-pocket portion: (30,000-1500) x15% = 4,275 yuan and 20,000 yuan other than medical insurance.

Total expenses borne by individuals: 1500+4275+20000=25775 yuan.

Mr. Zhang has insured PICC Health's "Worry-free Medical Supplementary Social Security Plan".

China People's Insurance Company can make health claims (because of serious illness, 80% will be reimbursed both inside and outside social security).

(1500+4275+20000-400 deductible) X80%=20300 yuan.

The hospitalization fee is * * * 50,000. After medical insurance reimbursement and medical insurance reimbursement, individuals only need to pay 5475 yuan.

Medical diagnosis, worry-free daily care, personal care insurance protection form (1)

Insurance level 18-40 years old 4 1-60 years old

1 1000020000

22000040000

33000060000

The forms of supplementary medical care, worry-free social security and supplementary personal medical insurance (1)

Insurance grade: first gear, second gear and third gear.

Social security supplementary insurance premium 1000 15002000.

The self-funded project insurance premium for serious illness is 0565438+ 10,000.

Personal care insurance for worry-free daily care for medical diagnosis (A) and supplementary personal medical insurance for additional social security for medical diagnosis (A) Comprehensive rate table

Insurance level 18-40 years old 4 1-60 years old

First gear: 12000.

Second gear, 24 thousand

Third gear, 36 thousand

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.