Beijing Jinghui Baoxin WeChat official account, when you enter WeChat official account, click on the service center, inquire about the insurance order, open the order, and there is an electronic insurance policy in it. Just click in and you will see it. High reimbursement rate: To understand the advantages and disadvantages of Beijing Jinghuibao, as the saying goes, it is best to compare with similar products. Compared with Changsha Xinghuibao and Ping An Buddha Medical Insurance, the reimbursement ratio of this product is very sincere. 1% of hospitalization reimbursement in the social security catalogue, and 9% of high-value drugs are rarely sold in the market. Low price: among the three products, the lowest price is 79 yuan, which can pry up medical insurance up to 2 million yuan a year, which is very beneficial to the people. Excellent value-added services: this product provides seven kinds of value-added services, such as direct payment of special drugs, medical services and chronic disease management, while Ping An Buddha Medical Insurance and Changsha Xinghuibao do not provide value-added services.
1. Not limited to past diseases: other similar products are only covered by several past diseases, and this product can participate in "Beijing Huibao" regardless of past diseases or diseases. Main disadvantages: hospitalization without social security: as shown in the figure, two products of the same type provide hospitalization reimbursement outside the social security catalogue, which is more practical. There are many self-funded projects for general major diseases. Beijing Huibao will not compensate. In fact, this is a defect. The ideal Huimin insurance is reasonable reimbursement of hospitalization expenses and self-raised drugs. The reliability of Beijing Jinghuibao can be started from two aspects: one is the product itself, and the other is the underwriting company. From the product itself: low payment, high reimbursement rate, and certain market differentiation, regardless of occupation, age, past illness or not. This market differentiation is particularly obvious, but the scope of reimbursement is not particularly ideal. On the whole, it is still better. From the insurance company's point of view, Beijing Jinghuibao is underwritten by two insurance companies, Beijing Life Insurance and AXA Tianping Property Insurance, which is a risk. The leaders of Beijing Life Insurance are the Beijing Municipal Party Committee and the Beijing Municipal Government. AXA Tianping Property Insurance Company is a property insurance company with a long history, which has strong strength and solvency. Therefore, it is underwritten by two insurance companies, and citizens need not worry too much about the reliability of Beijing Huibao.
2. From the perspective of overall guarantee: Compared with similar products, Beijing Huibao has a very high reimbursement rate, up to 1%, and the price is very cheap, and the deductible is relatively low. The biggest feature is not limited to any previous diseases, which is the highlight of this product. At the same time, it also has some shortcomings. For example, the social security catalogue only reimburses hospitalization expenses, which reduces the practicality of the product. After all, when a serious illness strikes, many of them will compensate for the hospitalization expenses outside the social security catalogue, while Beijing Huibao will not compensate. From the point of view of the underwriting company, the leaders behind Beijing Life Insurance are the Beijing Municipal Government, etc. In other words, this is the product requirement planned by the government department, and then it will underwrite and settle claims with AXA Tianping Property Insurance Company. Theoretically speaking, AXA Tianping Property Insurance Company is also an old company, and its risk sharing is more reliable, so there is no doubt about the authenticity of Beijing Jinghuibao. After all, this product is conducive to reducing the burden of medical insurance funds, reducing the problem of high medical expenses and reducing the burden of medical expenses. From a comprehensive point of view, this is still possible.
operating environment
vivoX27 OriginOS
wechat Version 8..15