Hospitalization: the insured amount is 1 1,000 yuan, and the expenses within social security are reimbursed by social security, with 500 yuan exempted and 70% paid;
No social security reimbursement, 1000 yuan free of compensation, 50% compensation;
The insured amount of accidental medical insurance is 1 1,000 yuan, and the expenses within the social security are reimbursed by the social security, with 0 deductible and 90% paid;
Without social security reimbursement, 200 yuan pays 80% of the compensation.
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China Life Insurance 365 (adult version) can be regarded as micro-medical insurance, with hospitalization guarantee of 6,543,800 yuan, as well as accidental medical treatment, accidental death/disability, traffic accidents and other guarantees. This fund supports 18-60-year-old insurance with an annual premium of 365 yuan. Among them, the reimbursement conditions of hospitalization medical care are poor, covering only the expenses within the scope of social security, not the expenses outside social security, and the reimbursement ratio is not high enough. 500 yuan and 1000 yuan respectively according to whether there is social security reimbursement. Compared with other products with zero compensation and no compensation or 100 yuan, the claim threshold is higher, which is not good for consumers. Generally speaking, this product does not have much advantage. It is suggested that compared with other similar micro-medical insurance on the market, it is more practical to choose products with low deductible or unlimited social security.