As far as I know, Huimin insurance is an insurance product, which aims to provide basic medical security for the people. However, Huimin insurance does not cover all diseases and medical expenses. The following are seven common diseases, which may not be guaranteed in general:
1. Major diseases: Huimin insurance usually cannot cover the cost of treatment for major diseases, such as cancer, heart disease and stroke.
2. Chronic disease management: Huimin insurance may not be able to provide long-term management and treatment of chronic diseases, such as diabetes, hypertension and asthma.
3. Congenital diseases: Huiminbao may not cover congenital diseases that exist at birth, such as congenital heart disease and Down syndrome.
4. Mental illness: Huimin insurance may not be able to provide treatment fees for mental illness, such as depression, anxiety and schizophrenia.
5. Geriatric diseases: Huimin insurance may not be able to provide treatment expenses for senile diseases, such as Alzheimer's disease and osteoporosis.
6. Some specific surgical expenses: Huimin Bao may not be able to cover some specific surgical expenses, such as plastic surgery and plastic surgery.
7. Cost of some drugs: Huiminbao may not be able to pay for some expensive drugs, such as anticancer drugs and drugs for rare diseases.
It should be noted that different insurance companies and specific insurance plans may be different, so the specific coverage may be different. When buying insurance, it is recommended to read the insurance contract and terms carefully to understand the specific scope of protection and exclusions. In addition, I also suggest consulting a professional insurance agent or legal adviser to get more accurate information and advice.
Huimin insurance is an insurance product, but it cannot provide insurance protection for some diseases. The following are seven diseases that Huimin Insurance cannot cover: 1. Congenital diseases, such as congenital heart disease; 2. Hereditary diseases, such as hereditary nephropathy; 3. AIDS and related diseases; 4. Mental illness, such as depression; 5. Injuries caused by self-mutilation or suicide; 6. Diseases caused by drug or alcohol abuse; 7. Injuries caused by wars, terrorist attacks and riots. These diseases are regarded as high risk or special circumstances in Huimin insurance, and they cannot enjoy insurance protection. Understanding these restrictions can help you better understand the coverage of Huimin insurance, so as to make wise insurance decisions. Please note that when choosing insurance products, please read the insurance clauses carefully to fully understand the scope and restrictions of insurance.
Legal basis:
People's Republic of China (PRC) insurance law (revised on 20 15);
Chapter I General Provisions
Article 9 the State Council insurance supervision and administration institutions shall supervise and administer the insurance industry according to law.
The State Council insurance supervision and management institutions shall set up dispatched offices according to the needs of performing their duties. The dispatched offices shall perform their duties of supervision and administration according to the authorization of the the State Council Insurance Regulatory Authority.