Incognito illustrator lady
Do you still remember the high-end medical care that children can buy in 3999 can be insured separately?
pair is Xinyanbao!
new Yanbao has been upgraded again, and the 2022 update is launched.
new and old comparison
In addition to the increase in outpatient surgery and hospitalization insurance coverage, this time, the benefits of vaccine, physical examination and dental are greatly optimized.
is becoming more and more like that, and all the responsibilities that high-end medical care should have been added! [Deyi] If you count the highlights in
, there are quite a lot of them. To summarize the following 4 points:
has the highest cost-effective price range from 39.99 to 20,000 yuan, which can be regarded as a product of scattered people.
Required responsibility
1. Hospitalization responsibility
Basic hospitalization responsibility has not changed much from the 2021 version. Only restrictions on outpatient surgery have been relaxed and directly included in the inpatient protection.
can also increase the hospitalization quota through the upgrade package.
2. Outpatient responsibility
Outpatient responsibility increases first aid costs.
can break the limit on the number of outpatient visits by upgrading the package.
Optional responsibility
1. Upgrade package
By upgrading the package, the following upgrade goals can be achieved:
1. Plan 1, the hospitalization insurance amount has been increased from 300,000 to 500,000;
2. Plan 2, the hospitalization insurance amount increased from 500,000 to 1 million;
3. Plan 2 outpatient insurance amount increased from 50,000 to 100,000;
4. The number of outpatient visits is not limited to the number of times;
5. The hospitalization deductible for 10,000 yuan was removed, and hospitalization, day treatment, and outpatient clinics are all 0 deductible. The price of the upgrade package for
Plan 1 is: 3,000 yuan
Plan 2 is: 4,000 yuan.
2. Vaccines and physical examination welfare
Vaccines have finally been added to the plan in the 2022 version. There are no restrictions on vaccination institutions, and all vaccines are covered.
Select Plan 2 and add vaccines and physical examination benefits.
has no waiting period, so you can use it after buying it.
3. Dental
Dental quota is 4,000 yuan. There are no restrictions on hospitals, and those with dentistry in cooperative private hospitals can go.
dental welfare price is 3,000 yuan. Parents may think that the cost-effectiveness is average, but this is a dental welfare that can go to an expensive hospital.
If you pursue the cost-effectiveness of dentistry, you can consider a special dental insurance:
With a big gift package, you can enjoy the services of private hospitals.
price list
New Yanbao 2022's rate has not changed, and is consistent with the 2021 version.
The newly added vaccine physical examination and dental benefits can be purchased separately.
vaccine has no single limit and no institutional restrictions. The price of vaccines containing the plan 2 is as follows:
30 days-7 months, 24,999 yuan;
8 months-2 years old, 19,999 yuan;
online medical institution
Regarding online medical institutions, the following points should be paid attention to before visiting the doctor:
1. Go to "Shanghai Hexin Hospital" for medical treatment, which does not cover all medical expenses for the International Department of Hexin Hospital.
2. Please make an appointment through the middle of the visit to all online medical institutions.
3. For Pubin Children's Hospital: the medical expenses at the director and above level of directors must be paid by the customer.
4. For Mujia: First hospitalization, the daily limit for bed fee will be cancelled; Mujia's traditional Chinese medicine physiotherapy is not within the scope of compensation.
5. Beijing Mingde Hospital, Beijing Kyoto Children's Hospital, Shanghai Jiahui International Hospital, Shanghai Meihua Women and Children's Hospital, Guangzhou Aiboen Obstetrics and Gynecology Hospital, Shen'an (Chongqing) Hospital, and United Family provide 24-hour emergency services. For medical treatments outside the designated medical time in the list of other medical institutions, the customer must pay for it.
6. Customers need to pay for large-scale examinations at Global Doctors. Large-scale examinations include but are not limited to large-scale examinations and tests such as CT examinations, MRI examinations, gastroenteroscopes, QFTs, and food tolerance.
7. All institutions under Zhuozheng only open pediatrics, pediatric otolaryngology, pediatric dermatology, and pediatric ophthalmology.
8. The first time Mujia is hospitalized, the bed fee limit will be cancelled; Mujia’s traditional Chinese medicine physiotherapy is not within the scope of compensation.
9. Beijing New Century Women and Children's Hospital and Beijing New Century Children's Medical are only open for hospitalization, with a compensation ratio of 80%. Beijing New Century Aodong Clinic, Beijing New Century Ronghe Pediatric Clinic, and Beijing New Century Qingnian Road Pediatric Clinic only open outpatient clinics, with a compensation ratio of 100%.
Insurance Instructions
Very important insurance Instructions, please be sure to check it before taking out insurance: [Dog Head]
1. The underwriting age of this product is 30 days old to 17 years old. The insured must be the insured child. Babies under 1 year old (inclusive) who have been born for 30 days at the time of insured: If you fail to pass the health notice, you must provide a birth certificate + baby discharge summary.
2. When the insured is insured for the first time or discontinuously, the waiting period for hospitalization for all diseases is 30 days; there is no waiting period for outpatient and emergency rooms, and the insurance period is 1 year.
3. Designated medical institutions: 1) Public medical institutions: ordinary departments and special needs departments (including special clinics), except for ; 2) Private medical institutions: Designated private medical institutions, the latest published list of our company shall prevail. Except for , all hospitals in Pinggu, Miyun and Huairou.
4. If the insured has obtained medical expense compensation from public medical care, social basic medical insurance or other cost-compensated medical insurance, the insurer will compensate the remaining part after the above-mentioned expense compensation in accordance with the proportion agreed in the policy after deducting the deductible amount stated in the policy.
5. This product is not guaranteed to renew. Please fully understand the possibility that the insured will suspend or adjust the product due to profit deviations from expectations before taking out insurance. Continuous insurance protection shall be subject to the plan announced by the insurance company during continuous insurance.
6.Private hospital visit time: Insurance only covers the medical expenses incurred by the insured person to arrive at the hospital within the cooperation time of our company, and does not cover the medical expenses incurred by the arrival of the hospital within the non-cooperative visit time (please check the medical expenses incurred by the policyholder before visiting the doctor).
7. The compensation method for outpatient and emergency insurance in private hospitals is direct payment. Customers only need to pay the out-of-pocket ratio. Please do not pay all medical expenses by themselves. If you claim compensation from our company after payment, the insurance company will not accept all medical expenses paid by the customer. The compensation method of public hospitals is to make an after-event claim, and they cannot enjoy direct payment services. For details, please refer to the non-direct payment service section of the service manual.
8. Some private hospitals have exclusion fees. Please be sure to check the hospital instructions listed in the cooperative network list in the user manual before visiting the doctor.
9. This insurance does not bear any liability for the treatment of the following items:
1) Family disease screening fees, family care fees, professional care fees, hospice fees, congenital diseases and symptoms fees; sleep examinations and treatment fees; 2) Various massage and treatment supplies for self-use; 3) Ophthalmology correction costs and dental expenses (if you purchase the dental package benefits, you will be compensated in the optional benefits); 4) The routine health examinations and immunization costs of infants and young children, which are otherwise agreed in this contract; 5) Other liability exemptions stipulated in the insurance terms.
10. This insurance bears the cost of one influenza vaccine injection (deemed as one outpatient responsibility).
11. The insured registration in the same hospital department within the same day is considered an outpatient clinic.
12. The policyholder's occupation is: doctors, nurses, medical institution practitioners and lawyers refuse insurance.
market is a high-end medical product that children are insured separately this year. I have introduced the same product of MSH before:
I am Irene who refuses to wear long pants, let's continue to talk about it next time.
