This medical environment doesn't look like a doctor, it's a holiday ~
Expensive is really expensive. The registration fee alone cost 1000, and a ct scan cost more than 6800. ......
Sister He tells you that there is a kind of medical insurance that can reimburse the expenses of high-end medical institutions, with a minimum of 3,999 yuan a year! Xinyanbao 202 1 high-end medical insurance can be done!
Moreover, the cooperative private medical institutions are not only United Family, but also hospitals such as Jiahui, United States-China Yihe, Zhuozheng and New Century. There is no top end, only higher end!
Children's outpatient and emergency treatment+hospitalization expenses, all reimbursed! All aspects of protection are in place!
Today, Sister He will introduce this high-quality and high-end children's medical insurance-Xinyanbao 202 1!
The following is divided into two parts:
1, Xinyanbao 202 1, what is the guarantee?
2. Is the insurance company reliable?
1. Xinyanbao 202 1 What's the guarantee?
Let's take a look at the guarantee of Xinyanbao 202 1:
Parents who protect Ma Bao can buy it for their children aged 0- 17, and the guarantee period is 1 year;
Xinyanbao 202 1 can reimburse outpatient, emergency and inpatient medical expenses, and both internal and external social security expenses can be reimbursed ~
There is a waiting period of 30 days for hospitalization, but there is no waiting period for outpatient and emergency treatment.
The scope of hospitals covered by Xinyanbao 202 1 includes:
General department and special needs department of public hospitals at level 2 and above, and designated private hospitals (including well-known high-end medical institutions such as Yihe, Zhuozheng, Hejiajia and New Century).
Xinyanbao 202 1 is divided into Scheme I and Scheme II. The main difference is that the hospitalization reimbursement amount is different and the hospital scope is different. In the second scheme, there are more expensive medical institutions such as United Family and New Century.
You can choose upgrade plan and tooth protection;
Xinyanbao 202 1, 7- 17 years old is the cheapest, and the first scheme is 3999 yuan/year, and the second scheme is 7999 yuan/year.
Let's see what guarantees there are:
1, hospitalized
_ Scheme 1: 1 year with a maximum reimbursement of 300,000 yuan and deductible 1 10,000 yuan.
Special needs department of public hospitals: 80% can be reimbursed.
General department of public hospitals and private hospitals: 100% can be reimbursed.
_ Option 2: 1 year, the maximum reimbursement is 500,000 yuan, and the deductible is 1 10,000 yuan.
Special needs department of public hospital and New Century Hospital: 80% can be reimbursed.
General department of public hospitals and private hospitals: 100% can be reimbursed.
Reimburseable expenses include: treatment fee, operation fee, ICU fee, radiotherapy fee, transplantation fee, etc.
The maximum bed fee can be reimbursed 1200 yuan/day, and the maximum rehabilitation and professional nursing fee 1 year can be reimbursed for 90 days;
There is also a transportation subsidy of up to 2,000 yuan for medical treatment in different places (insurance only) ~
2, outpatient and emergency medical treatment
Xinyanbao 202 1 1 year can be reimbursed up to 50,000 yuan, not limited to social security reimbursement;
For the first five emergencies, the special needs department of public hospitals reimbursed 80%, and other reimbursements100%;
After Xinyanbao 202 15 times, only 50% can be reimbursed;
Xinyanbao 202 1 Reimbursable expenses include doctor's consultation fee, prescription fee, examination fee, laboratory examination fee and radiotherapy and chemotherapy fee;
Acupuncture treatment fee, homeopathic treatment fee, physiotherapy fee and Chinese medicine treatment fee 1 year can be reimbursed up to 1.500 yuan/2,500 yuan;
The purchase or lease expenses of durable medical equipment can be reimbursed at most 1 year ~
Children's resistance is poor, and they are prone to fever and colds. They have to go to the hospital at two ends every three days, and the emergency department of public hospitals has to queue up and spend money to suffer;
I bought a new extended warranty 202 1, and I can go to a high-end medical institution. You don't have to wait in line to see a doctor, but you can also be reimbursed in full! Let children enjoy the best medical service!
3. Optional upgrade scheme
If you feel that the above basic guarantee is not enough, you can also increase the cost upgrade guarantee ~
After the upgrade, the hospitalization deductible line was reduced from 1 10,000 to 0 yuan!
1 year, the maximum reimbursement for emergency treatment is 50,000/1 10,000, unlimited times!
It also increased the outpatient operating room and recovery room fees, outpatient surgeon fees and anesthesiologist fees, which can only be reimbursed 1 time ~
Upgrade plan 1 needs to add 3000 yuan, and upgrade plan 2 needs to add 4000 yuan.
4. Optional tooth protection
You can also give your child an extra 3,200 yuan of dental care, which can be used in Hexin, Ward and Hejia hospitals. The maximum reimbursement for 1 year is 4,000 yuan;
The following expenses can be reimbursed:
Sister He thinks this dental care is not cost-effective. It cost 3200 yuan, but only 4000 yuan was reimbursed at most. There are still many expenses that have not been fully reimbursed, so it is not recommended to increase them.
5. What are the advantages and disadvantages?
On the whole, Xinyanbao has six advantages:
1, exclusive to children, and can be insured separately after 30 days of birth. Many high-end medical insurance must be insured, one large and one small, and the new extended insurance is unlimited;
2. Hospitalization+outpatient and emergency services are guaranteed in all aspects, and general departments, special needs departments and designated private medical institutions in public hospitals of level 2 and above can be reimbursed;
3. The cooperative high-end private medical institutions are all over the country, such as Shanghai, Beijing, Shenzhen, Guangzhou, Chongqing, Chengdu and Wuhan.
It can also avoid direct cash payment, and the insurance company can directly settle accounts with the hospital without paying in advance, which greatly improves the medical experience!
4. There is no waiting period for outpatient service and emergency service. If you buy it today, you can use it tomorrow, saving your parents a lot of money.
5, 7- 17 years old, the price is reduced by 2000 yuan! Take scheme one as an example. Last year, all ages had to pay 5999 yuan/year.
Now children aged 0-6 are insured at the same price; 7- 17-year-old children only need 3999 yuan/year!
6, a lot of benefits, buy new Yan Bao, you can enjoy health checkups, vision screening and other gifts! Different hospitals have different benefits ~
If you buy a group, as low as 3999 yuan, you can also include the United Family Clinic! Interested friends, scan the QR code below to spell it out!
Xinyanbao 202 1 has two disadvantages:
1, only 1 year, 1 times premium guarantee 1 year, no renewal is guaranteed, and the renewal conditions are unstable;
2. The insured amount is not high. 1 year, the maximum reimbursement for hospitalization is 300,000/500,000, and 1 year, the maximum reimbursement for outpatient and emergency departments is 50,000 (scheme 2 can be reimbursed after upgrading/kloc-0,000);
It is only enough to reimburse some minor illnesses, but it is far from enough to see serious illnesses, especially private medical institutions, which are expensive and exceed the reimbursement limit in minutes.
Second, is the insurance company reliable?
Xinyabao 202 1 is underwritten by Tianan Property Insurance, with 33 branches, 263 prefecture-level branches and 944 branch-level business outlets.
The evaluation results of China Banking Regulatory Commission on its solvency in 20021year;
Comprehensive solvency adequacy ratio: 237.24%( 100% qualified)
Comprehensive risk rating: undisclosed
Tianan Property Insurance has strong strength, large scale and excellent solvency, so you can buy it with confidence ~
Third, write it at the end.
Xinyanbao 202 1, fully guaranteed, and hospitalization and emergency medical expenses can be reimbursed;
There are many high-end private medical institutions in cooperation, all over the country, with direct payment services and better medical experience;
Xinyanbao 202 1, except expensive, everything else is excellent!
Parents with abundant funds, arrange for their babies, save worry and effort!