No matter whether you are from Liaoning or not, as long as you have medical insurance for employees or residents in Liaoning Province (excluding Dalian), you can participate in the insurance.

Regardless of age, occupation or health status.

Second, guarantee time

2023 65438+1October1-65438+February 3 1, one year.

Third, the price

129 yuan/year.

4. What does Huiliao promise?

There are three kinds of benefits, the first two are the main ones, and the third one is aimed at special people, and the amount of insurance is not high.

Guarantee 1: Medical expenses in social security, including hospitalization expenses, treatment expenses, medical expenses and operation expenses, will be reimbursed by 70% after deducting the deductible 1.8 million from the self-paid part of social security reimbursement, with a maximum of 2 million.

Guarantee 2: Deduct the deductible of 6,543.8+0.8 million, and reimburse 40% of the rest, with a maximum reimbursement of 6,543.8+0.8 million.

Guarantee 3: Reimbursement rules for specific past diseases:

Specific past diseases refer to the diagnosis of the following diseases:

Malignant tumor (including leukemia and lymphoma);

② Cardiovascular and cerebrovascular diseases (including coronary heart disease, myocardial infarction, cerebral infarction and cerebral hemorrhage);

③ Blood diseases.

The proportion of reimbursement within social security is reduced to 50%, and the proportion of reimbursement outside social security is reduced to 20%.

Except for these three diseases, other previous diseases are reimbursed according to the normal population.

Five, inter-provincial medical reimbursement:

Under special circumstances, those treated outside Liaoning Province can also be reimbursed, but the reimbursement rate is reduced by 5%. For example, the cost of social security is 65% for normal people and 45% for specific past diseases.

Six, feed back to note:

1, the reimbursement rate of specific past diseases is low.

Huiliaobao has reduced the reimbursement rate of three kinds of past diseases, especially the medical expenses other than social security, and the reimbursement rate is quite low, only 20%.

Even if these diseases have been cured, they will be reimbursed according to the proportion of specific past diseases.

2. Pay attention to the situation where there is no compensation.

Huiliaobao cannot claim compensation under any circumstances, and the following is the refusal to pay compensation:

Plastic surgery, correction and cosmetic surgery for non-accidental injuries cannot be reimbursed; Accidents identified as work-related injuries or regarded as work-related injuries cannot be reimbursed.

3. Medical expenses within the scope of social security must be reimbursed by medical insurance first.

If you are seeking medical treatment in a different place, you must pay attention to the reimbursement of medical insurance in different places. Huiliaobao can only be reimbursed after medical insurance reimbursement.

legal ground

Article 10 of People's Republic of China (PRC) Insurance Law is an agreement between the insured and the insurer to stipulate the insurance rights and obligations.

The applicant refers to the person who has entered into an insurance contract with the insurer and has the obligation to pay the insurance premium according to the contract.

An insurer refers to an insurance company that has entered into an insurance contract with the applicant and is liable for compensation or payment of insurance benefits according to the contract.

Article 11 When concluding an insurance contract, consensus should be reached through consultation, and the rights and obligations of all parties should be determined according to the principle of fairness.

Unless insurance is required by laws and administrative regulations, an insurance contract is concluded voluntarily.

Article 12 When concluding an insurance contract, the applicant of life insurance shall have insurable interests for the insured.

The insured of property insurance shall have an insurable interest in the subject matter insured at the time of the insured accident.

Personal insurance is an insurance with human life and body as the subject matter.

Property insurance is insurance with property and its related interests as the subject matter.

The insured refers to the person whose property or person is protected by the insurance contract and enjoys the right to claim insurance money. The applicant can be the insured.

Insurable interest refers to the legally recognized interest of the insured or the insured in the subject matter of insurance.

Article 15 Unless otherwise stipulated in this Law or in the insurance contract, after the insurance contract is established, the applicant may terminate the contract, and the insurer may not terminate the contract.

When concluding an insurance contract, if the insurer makes an inquiry about the subject matter insured or the insured, the applicant shall truthfully inform him.

If the applicant fails to fulfill the obligation of truthful disclosure stipulated in the preceding paragraph intentionally or due to gross negligence, which is enough to affect the insurer's decision to agree to underwrite or increase the premium rate, the insurer has the right to terminate the contract.

If the right to terminate the contract stipulated in the preceding paragraph is not exercised for more than 30 days from the date when the insurer knows the reason for termination, it shall be extinguished. If more than two years have passed since the establishment of the contract, the insurer shall not terminate the contract; In the event of an insured accident, the insurer shall be liable for compensation or payment of insurance benefits.

If the applicant intentionally fails to fulfill the obligation of telling the truth, the insurer shall not be liable for compensation or payment of insurance premium for the insured accident that occurred before the termination of the contract, nor shall it refund the insurance premium.

If the insured fails to fulfill the obligation of telling the truth due to gross negligence, which has a serious impact on the occurrence of the insured accident, the insurer shall not be liable for compensation or payment of insurance benefits for the insured accident that occurred before the termination of the contract, but shall refund the insurance premium.

When concluding a contract, the insurer knows that the applicant has not truthfully informed it, and may not terminate the contract; In the event of an insured accident, the insurer shall be liable for compensation or payment of insurance benefits.

An insured accident refers to an accident within the scope of insurance liability stipulated in the insurance contract.

Article 17 If an insurance contract is concluded with standard clauses provided by the insurer, the application form provided by the insurer to the applicant shall be accompanied by standard clauses, and the insurer shall explain the contents of the contract to the applicant.

With regard to the clauses in the insurance contract that exempt the insurer from liability, when concluding the contract, the insurer shall make a prompt that can attract the attention of the insured on the application form, insurance policy or other insurance documents, and make a clear explanation to the insured in written or oral form; If there is no prompt or clear explanation, this clause will not take effect.