There is such a kind of commercial medical insurance in China that is inclusive and public welfare. Each person has a annual fee of less than 200 yuan. There is no need for a physical examination before taking out insurance, no health notification is required. You can take out insurance while sick, and you can pay at most hundreds of thousands or even millions of yuan after being hospitalized.
Many people did not believe in such insurance products. This is "Huimin Insurance". Let's first look at two claims cases of Shanxi Jinhuibao:
case 1
Ms. Nie
Ms. Nie
Ms. Nie from Shanxi, 52 years old, Parkinson's surgery, the total hospitalization cost in the People's Liberation Army General Hospital was 280,000 yuan, and the medical insurance was reimbursed 38,000 yuan, Jinhuibao reimbursed 90,000 yuan, and the remaining 160,000 yuan was paid by itself.
case2
Xiaotian
Xiaotian in Shanxi, 13 years old, with a teratoma, has a total hospitalization cost of 310,000 yuan in many hospitals in Beijing, medical insurance reimbursed 150,000 yuan, Jin Huibao reimbursed 80,000 yuan, and the remaining 80,000 yuan was paid by itself.
Huimin Insurance has been launched in many cities across the country. As a commercial medical insurance to supplement social security, 140 million people have purchased it nationwide. Currently, Shanxi has three types of welfare insurance products: "Jinhuibao", "Sanjinbao" and "Ten thousand households' health insurance". Although there are two typical claims cases of Jinhuibao on
, the characteristics of these two cases are that patients have high hospitalization expenses. In fact, many people also complain about the high starting point of Huiminbao. In addition to this, I will also summarize the common shortcomings of Huiminbao:
1. The medical claims starting point of "Huiminbao" is generally relatively high, and there will be a certain amount such as a "deductible amount" of about 20,000 yuan. Basically, hospitalization expenses must be more than 70,000 to 80,000 yuan to reach the starting point of claims.
2. "Huimin Insurance" not all diseases can be compensated, especially some diseases that have been present before taking out insurance, that is, " previous symptoms " cannot be compensated, or the compensation ratio is low.
3. "Huimin Insurance" basically only cares about the cost during hospitalization. Individual products can be compensated for special cancer drugs or outpatient expenses outside the hospital.
4. "Huimin Insurance" is a product of insurance companies with a public welfare nature. It may be upgraded in the future or may be suspended for sale. Almost no guarantees renewal of .
The above disadvantages are actually the consequences of the advantages of welfare insurance:
1. The price is low
2. There is no need for physical examination or health notification
3. You can insure
3. 5
4. The characteristics of the insurance age without limiting
are actually the criteria for the evaluation of the welfare insurance. Buying a medical insurance is nothing more than whether it can be used after buying medical insurance, whether the claims ratio is high, whether the product can be sustained, etc. Below are the 4 main criteria for evaluating the welfare insurance:
1. Hospital claims ratio: Currently on the market, the claims ratio ranges from 20% to 100%. The higher the better, the better
2. Whether it contains topical medications and treatments in the medical insurance directory: The best contains, and the higher the claim ratio, the better.
3. Does it contain past symptoms : "Past symptoms" is a disease that has existed before taking out insurance. Many people always think that they will buy insurance if they get sick. The insurance company's attitude towards such people is, "Well, this is the person who comes to fuck me, I want to treat it differently." The responsibility for the past symptoms is of course the fewer list of diseases, the better.
4. Sustainability: An insurance product is cheap and well protected. Insurance companies do not make money or even lose money. Does this product violate business rules? According to past experience, products that lose money will either increase their prices or stop selling.
knocks on the blackboard to highlight the key points
About "suspension of sales"
Although insurance companies have a public welfare heart for welfare, it is a commercial behavior after all, an unsustainable "benefiting people insurance" is actually very cruel to the insured. Please refer to the " Mutual Bao " that was stopped before. In fact, it is because after the premiums rise, healthy groups have successively withdrawn from the "death spiral". Kindness that does not make money is not sustainable business logic .
Many people have been delayed by "mutual treasures" and have their age and health opportunities to purchase critical illness insurance or other insurance. Who is the blame for this? What are you thinking about Jack Ma ?
In addition to the four most important criteria above, the four criteria added below can also be used as one of the selection criteria, but relatively speaking, the importance is not so high:
5. Whether it contains special cancer drugs outside the hospital: Currently, if you have cancer, the cost of hospitalization is only a very small part. After a surgery, there is a probability of surgery, but it is not normal. Cancer patients spend most of their time taking medicine at home to recover. Cancer special drugs that can be purchased outside the hospital can be reimbursed, the proportion of reimbursed, and the type of drugs, are also a measurement dimension.
6. Does it include CART treatment: CART treatment is an advanced immune cell therapy, a technology for the treatment of non-solid tumors (such as lymphoma , leukemia ). It is not as harmful to the human body as radiotherapy and chemotherapy. Currently, 1.2 million yuan per injection is on the market, and social security cannot be reimbursed. If the insurance amount is less than 1.2 million yuan, the remaining expenses will need to be paid by yourself.
7. Whether it contains proton heavy ion therapy: Proton heavy ion hospital in Shanghai, for this technology of specific cancer patients, it can achieve a small damage and a small recurrence rate. A course of treatment costs 300,000, and social security cannot be reimbursed.
8. Price: The lower the , the better. The price of welfare insurance in the market is generally between dozens of yuan and 200 yuan, and it will not become an obstacle for most families, so I put it the last one.
horizontally compared with several popular insurance products from
West, Jinhuibao's new upgraded products have been launched in 2022, and there are two different versions: upgraded version and exclusive version , and last year's 2021 version of Jinhuibao. These 3 versions of Jinhuibao, plus "Sanjinbao" and "Ten Hu Health Insurance", are based on the above eight reviews I made a comparison table as follows. If you can't see clearly, please reply to the article and ask me for the original picture:
Among them, "Sanjin Insurance" was a product launched by Taikang Insurance at the beginning of last year. It is suitable for medical insurance people across Shanxi Province, but there is no movement this year. It may be on the verge of officially announcing the suspension of sales. This is also where many people complain about Huimin Insurance: originally thought I bought an insurance, but the insurance was still "not insured".
In fact, almost all Huimin Insurance on the market have the terms of " does not guarantee renewal" , which is "buy one year for insurance", which also leaves a way out for insurance companies, and it is also my suggestion to everyone: "You can buy Huimin Insurance, but don't treat it as a life-saving straw. Huimin Insurance only promises you for one year, and you must not mistake it for a lifetime."
"Ten thousand households health insurance" is a welfare insurance product jointly launched by Zhonghui Insurance and PICC Life Insurance last year. It is only for people with social security in Taiyuan or Shanxi provincial medical insurance. Whether it can be sustained is unknown. It may be upgraded in the future and may be suspended...
Overall, the Jinhui Insurance 2022 exclusive version has the most complete protection. Some projects "Ten thousand households health insurance" have advantages. I focus on all the advantages (dark green). Although the Jinhui Insurance 2022 exclusive version has a 20% compensation ratio for previous diseases, the premise of this condition is "continuous insurance", that is, if you insured the 2021 version of Jinhui Insurance last year, you can enjoy this benefit, rather than enjoying it immediately this year.
Jinhuibao 2022 continues the previous types and list of symptoms in the 2021 edition last year.
Given that "Ten Thousand House Health Insurance" is only applicable to Taiyuan medical insurance personnel, "Sanjin Insurance" has no movement this year, so I will not make too many horizontal comparisons in this article.
Two new Jinhuibao products launched in September 2022, the "exclusive version" of 99 yuan. Compared with the "upgraded version" of 69 yuan, the premium gap of 30 yuan increases the following protection: the annual deductible amount has been reduced from 20,000 to 15,000, and those with previous diseases who have been continuously insured in the "exclusive version" can receive a 20% compensation. Therefore, compared with these two Jin Huibao versions, the "exclusive version" is preferred.
Conclusion
Price per year is 99 yuan. In the event of extreme catastrophic risks, a Jinhuibao can transfer part of the hospitalized medical expenses. Compared to using your savings or the assistance of relatives and friends to pay large medical expenses, it is better to judge which one is more beneficial to yourself or your family.
Some people think that you must use it to buy insurance to avoid losing money. For example, the spare tires in our cars are almost impossible to use, and they never feel that you will lose money if you can’t use it.
This article is the third time I have published an evaluation article by Jin Huibao. Although I am not responsible for promoting this product, I have always felt that "if I can't use it for buying insurance, I will just treat it as a charity." I am from Shanxi, so I will treat it as a charity ambassador for Jin Huibao.
