But don't be too happy. My senior has carefully studied Qindao E Treasure and found that there are many routines in it. Let's talk about this in detail next ~
Before you start, you should know the difference between Qindao electronic insurance and medical insurance:
"What is medical insurance? Is it commercial insurance? What diseases are included? How to deal with it? 》
First, Qindao E-treasure is too sharp and unsightly!
As usual, senior first showed the product drawing of Qindao E Bao:
So what are the routines of Qindao e-insurance? The following are the conclusions in this regard:
1, the reimbursement rate of patients with previous diseases is low.
Let's take a look at the conditions for insuring Qindao E insurance as shown in the figure. The insurance threshold is actually very low! In fact, this thing is still very good, but after we saw the reimbursement ratio, the senior sister was really shocked!
Patients with previous diseases can only be reimbursed 40% if they are insured by Qindao E-insurance, but compared with those without previous diseases, the reimbursement ratio is 30% less.
If we have insured Qindao E-insurance, but in the end there are still 654.38+10,000 yuan left for reimbursement, the money that patients with previous diseases get after reimbursement is 30,000 yuan less than patients with non-previous diseases. Look at the gap, not much!
But dear friends, think about it. For people who have just entered the society or have a very ordinary family economic level, 30,000 yuan is not a small sum, but a few months' salary!
2, inpatient and outpatient chronic diseases * * * enjoy insurance protection.
The guarantee content of Qindao E-insurance is really embarrassing! Hospitalization and outpatient service for chronic special diseases * * * enjoy the insured amount of 1.5 million yuan, which is too pit!
You know, the hospitalization expenses are relatively high now, not to mention the chronic specific diseases in the outpatient department. It takes not only time but also money.
Secondly, senior, there is a gossip here that I have to tell you!
We want to know the cost of this treatment. If you want to use Qindao e-insurance, you must be reimbursed by medical insurance. Otherwise, we won't get a penny!
If you go to a different place for medical treatment, you will be in big trouble. If you want to use Qindao E-insurance for reimbursement, you must make a record of medical treatment in different places. What a bother!
These shortcomings of Qindao E insurance are not the most fatal. I studied them for a long time and finally found this fatal flaw. If you don't believe me, friends, let's take a look:
Is "Qindao E Bao" worth buying? This move discouraged me! 》
Anyway, since it is Qindao E-insurance launched by Qingdao Municipal Bureau, there must be someone suitable to buy this product. Friends may wish to have a look!
Second, which people are suitable for Qindao e-insurance!
What kind of person is suitable for buying Qindao e-insurance? Senior sisters are organized as follows:
1, the elderly
At present, the highest age of medical insurance on the market is 65. If people over 65 want to buy millions of medical insurance, it is really difficult.
What kind of medical insurance products are suitable for people under 65? This list is compiled by senior sister for everyone:
Ten million medical insurance rankings are freshly released! 》
Moreover, Qindao E-insurance does not limit the age of insurance, so it is very friendly to the elderly!
2. People in poor health
You know, as far as the current market is concerned, the best-selling commercial medical insurance has health notification. Once the health notification fails, you can't buy commercial medical insurance.
For patients with past diseases, Qindao E Bao is very friendly. For example, patients with basic diseases such as hypertension and diabetes, or patients diagnosed with malignant tumors, can also apply for Qindao E insurance.
This product does not limit the health of the insured. In terms of reimbursement, the proportion of people diagnosed with a certain disease is 40%. Even in terms of reimbursement, it is really a little less, anyway, it is a guarantee!
3. People with insufficient budget
Qindao E-insurance is still possible for people with limited economic conditions, because the premium is not much, as long as 139 yuan.
But for friends with financial strength, Qindao E-insurance is definitely not the first choice for insurance!
After all, there are many shortcomings. Senior sister suggests that you choose Qindao E-insurance when you have no choice. Don't put it in the first consideration. It is really inappropriate!
Third, the summary of the senior sister
To sum up, Qindao E has advantages, but there are still many places to be improved!
In fact, Qindao E-insurance is more suitable for poor economic conditions, elderly consumers and people in poor health, and it is not worth buying.
Of course, only Qingdao residents can insure Qindao e-insurance, and friends from other regions have no chance to get such benefits ~
Write it at the end
I am an expert in insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem, you can also come to the official account of WeChat to learn to bully and say that insurance consulting me;
I give you the most professional advice based on many years of experience in configuring insurance for 10W+ families.
WeChat official account: Xueba said that insurance costs less, buy the right insurance!