Huimin Insurance has a very big limitation, that is, is very regional, and can only be covered by local basic medical insurance.
Here comes the question: there is no benefit to the people in the local area, or the time to apply for the insurance is missed, what should I do?
may be that you don’t know that there is a national version of Huiminbao, let’s take a look~
national version of Huiminbao _span5 The funds are 360 City Benefit Insurance, All People Inclusive Insurance, Medical Benefit Insurance National Edition, Love Relay City Benefit Insurance, and Bihui eHealth.
However, the only ones that can be insured are the 360 City Benefit Insurance, Universal Inclusive Insurance, and Medicare National Edition.
Although the same is the national benefit insurance, there are obvious differences between the three products.
1. Insurance requirements
3 types of national benefits are not limited to occupations and not limited to household registration.However, the national version of Medicare has an age limit and cannot be purchased beyond the scope.
2. Pre-existing disease requirements
360 City Benefits only exempts 10 major diseases.
Pratt & Whitney universal insurance, health insurance benefits for all previous disease nationwide version exemption, anamnesis is defined as:
3. security responsibilities
360 City Benefits and Medical Benefits National Edition are only reimbursed within the scope of social insurance, while Universal Inclusive Insurance expands the protection responsibility outside the scope of social insurance.
Medical Benefits National Edition expands proton heavy ion protection, 1 million insured amount, 100% compensation.
4. Price
Before the age of 60, the price gap of the three national benefits is not large, and after the age of 60, the price of the national version of Medicare is relatively high.
But in general, the three products are not expensive, so there is no need to worry about dozens of dollars.
From the point of view of insurance liability alone, the safety of the people inclusive insurance has obvious advantages, no health notification and reimbursement of expenses outside the social insurance catalogue, can exempt all past diseases , this point Be sure to pay attention.
In contrast, 360 City Huibao only reimburses expenses within the scope of social insurance, but it only exempts major past illnesses.
For example, there was a breast nodule at the time of insurance, and unfortunately, breast cancer was diagnosed later. In the case of claims, Universal Inclusive Insurance may not pay for the previous disease, but 360 City Huibao does not have this problem.
Therefore, the method is very simple. You can buy both. Although you cannot reimburse each other, you can make up for each other.
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