1, plastic surgery, plastic surgery refers to surgery or treatment to improve appearance. Because cosmetic surgery is not a cure, Huimin insurance will not be reimbursed.

2. Infertility means that both husband and wife fail to get pregnant within the specified time. Because infertility is not a pathological disease, Huimin insurance will not reimburse it.

3, mental illness, mental illness refers to the abnormal mental state caused by brain dysfunction. Because the treatment of mental illness is complicated and there is the possibility of recurrence, Huimin Insurance only reimburses a certain range of mental illness treatment expenses.

4. Chronic diseases refer to diseases with long course and slow progress. Huimin insurance only reimburses a certain range of chronic disease treatment expenses.

5. Sexually transmitted diseases, such as gonorrhea and syphilis. Because sexually transmitted diseases are highly contagious, Huimin insurance will not reimburse them.

6. Illegal drug abuse refers to the use of illegal drugs or the abuse of prescription drugs. Because illegal drug use will cause great harm to the body, Huimin insurance will not be reimbursed.

7. Accidental injuries refer to accidental injuries in daily life, such as traffic accidents and falls. Since accidental injury does not belong to the category of disease, Huimin insurance will not be reimbursed.

8, voluntary surgery, voluntary surgery refers to the patient's voluntary surgery, such as breast augmentation, transsexual surgery, etc. Since voluntary surgery does not belong to the necessary category of treatment, Huimin insurance will not be reimbursed.

Huimin insurance is a kind of inclusive commercial supplementary medical insurance, which aims to provide additional medical protection for the insured of basic medical insurance. However, Huimin insurance may have some restrictions on the scope of reimbursement. For example, some specific diseases may not be covered by Huimin insurance. These diseases usually include hereditary diseases, congenital malformations, malformations or chromosomal abnormalities. In addition, some specific treatment methods, such as targeted therapy and immunotherapy, may not be within the reimbursement scope of Huimin Insurance. The scope and proportion of reimbursement for Huimin insurance are usually decided by the local government and the insurance company. Therefore, the specific scope and proportion of reimbursement may vary from region to region. In addition, in some areas, Huimin insurance may also stipulate specific deductibles or reimbursement ratio restrictions.

To sum up, Huimin insurance may not provide reimbursement for certain diseases, which usually include hereditary diseases, congenital malformations, malformations or chromosomal abnormalities. In addition, some specific treatment methods, such as targeted therapy and immunotherapy, may not be within the reimbursement scope of Huimin Insurance. The specific scope and proportion of reimbursement may vary from region to region. It is recommended to carefully understand local policies and regulations before purchasing.

Legal basis:

Regulations of People's Republic of China (PRC) Municipality on Basic Medical Insurance for Urban Workers

first

In order to ensure the basic medical care for urban workers and make rational use of medical resources, these regulations are formulated in accordance with the relevant provisions of the state and the actual situation of this province.

Article 7

The basic medical insurance premium is paid jointly by the employer and the employees. Among them, the employer pays 5%-7% of the total monthly salary of its employees, and the rate of employees paying basic medical insurance premium is not less than 2% of their total monthly salary.