Anhui Huikang Insurance is underwritten by Ping An Property & Casualty Insurance and is an exclusive supplementary medical insurance for the people of Anhui.
Dozens of yuan a year, and up to one million in medical expenses can be reimbursed.
On July 31, 2022, Huikang Insurance will close the online insurance window . Friends who need it should hurry up to get insurance. If you miss it, you will have to wait another year.
1. Who can participate in the insurance?
Anhui Huikang Insurance has no age limit, no occupation limit, no waiting period, no physical examination, and you can buy insurance even if you are sick.
Anyone with Anhui Provincial Basic Medical Insurance can participate in the insurance, including urban employee medical insurance , urban and rural residents medical insurance, and new rural cooperative medical insurance.
can insure yourself, your spouse, parents, and children. Each insured person can only insure once.
Insured period: 2022.5.25 to 2022.7.31, guarantee period from 2022.8.1 to 2023.7.31.
The basic version has an annual premium of 69 yuan per person; the high-end version has an annual premium of 139 yuan per person.
2. What protection does Huikang Insurance provide?
Anhui Huikang Insurance provides 3 major protections:
1. Inpatient medical expense coverage within the scope of medical insurance
Insured persons’ hospitalization medical expenses due to illness or accidents, the expenses in the medical insurance catalog, after deducting the deductible 20,000 yuan:
For the basic version, healthy people will be reimbursed 80%, with a reimbursement limit of 1500,000 yuan; people with pre-existing conditions will not be reimbursed.
High-end version, healthy people are reimbursed 100%, with a reimbursement upper limit of 2000,000 yuan; people with pre-existing conditions are reimbursed 30%, with a reimbursement upper limit of 10 of 10.
2. Inpatient medical expenses outside the scope of medical insurance are guaranteed.
The insured person’s hospitalization medical expenses due to illness or accident, and the expenses outside the medical insurance catalog, after deducting the deductible 20,000 yuan:
Basic version, healthy people are reimbursed 80%. The reimbursement limit is 1500,000 yuan; no compensation will be given to people with pre-existing conditions.
High-end version, healthy people are reimbursed 100%, with a reimbursement limit of 2000,000 yuan; people with pre-existing conditions are reimbursed 30%, with a reimbursement limit of 100,000 yuan.
3, specific drug medical expense protection
basic version, the insured uses 11 kinds of cancer medical expenses for specific drugs, 0 deductible, healthy people are reimbursed 100%, the reimbursement limit 1000,000 yuan; no compensation for people with pre-existing conditions.
High-end version, the medical expenses of insured persons using 35 types of cancer-specific drugs, 0 deductible, healthy people are reimbursed 100%, and the reimbursement limit is 1000,000 yuan. People with pre-existing conditions will not be compensated.
3. What are the advantages and disadvantages of Huikangbao?
1, advantages
The insurance conditions are loose, no age limit, no occupation limit, no physical examination, no waiting period, you can take out the insurance even if you are sick.
has comprehensive coverage and can reimburse medical expenses inside and outside the medical insurance catalog. The reimbursement rate for the high-end version of
is 100%, and reimbursement will also be paid for past users.
2, less than
, the deductible is high, and there is a deductible of 20,000 yuan for medical expenses both inside and outside the medical insurance catalog.The reimbursement ratio for the basic version of
is not high, and people with pre-existing conditions will not be reimbursed.
Medical expenses for specific drugs are excluded for people with pre-existing conditions, that is, those who suffered from 5 types of diseases before enrolling in the insurance or were diagnosed with 5 categories of diseases after enrolling in the insurance, the medical expenses for related specific drugs will not be reimbursed.
3, suitable for the crowd
In addition to the higher deductible, the high-end version of Huikang Insurance has other protections comparable to million-dollar medical insurance.
For people with pre-existing conditions, the high-end version of Huikang Insurance also pays compensation, which is something that million-dollar medical insurance does not provide.
is very suitable for friends who cannot buy million-dollar medical insurance. It is especially suitable for people with pre-existing conditions.
If you can buy a million-dollar medical insurance, it is recommended to give priority to the million-dollar medical insurance, which has a low deductible and more comprehensive protection.
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4. For example,
Laowang Ginseng Bao Huikang Bao high-end version, healthy people. After the policy comes into force, cancer is diagnosed and hospitalized. The total cost of inpatient medical treatment is 30,000 yuan, including: 30,000 yuan in the medical insurance catalogue, 30,000 yuan in medical insurance reimbursement, 30,000 yuan in personal expenses; 30,000 yuan in expenses outside the medical insurance catalogue. Purchasing specific medicines in designated pharmacies costs 200,000 yuan.
Huikang Insurance reimbursement amount = (4-2)*100%+ (14-2)*100%+20*100%=340,000 yuan.
If he participates in Huikang Insurance, Lao Wang’s out-of-pocket expense = 30+20-12-34=40,000 yuan.
If he did not participate in Huikang Insurance, Lao Wang’s own expense would be 30+20-12=380,000 yuan.
5. Written at the end
Anhui Huikang Insurance is one of the most cost-effective insurance policies for people benefiting from various places.
It has loose insurance conditions, comprehensive protection, cheap price, and is friendly to people with pre-existing conditions.
is very suitable for friends who cannot afford million-dollar medical insurance, especially those with pre-existing conditions.
If you are in good health, it is recommended that you give priority to purchasing million-dollar medical insurance.
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