Hunan Changde Huimin Insurance is open for insurance, 99 yuan per year, which can not only reimburse the inpatient medical expenses outside the medical insurance directory, but also buy or compensate for the previous medical history.
But the question is, which is better, Changde Huimin Bao and Hunan Aimin Bao? Before I bought Hunan Aimin Bao, do you want to buy Changde Huimin Bao? If I buy them all, can I be reimbursed at the same time?
First, which is better, Changde Huimin Bao and Hunan AiMin Bao?
Without further ado, go directly to the picture to see what is the difference between Changde Huimin Bao and Hunan Aimin Bao.
There are 2 questions to focus on:
- Definitions of specific pre-existing conditions and reimbursement rules
- What is the reimbursementable range
The difference is in the figure, you can look at the picture carefully, especially the red part ~
Looking at insurance liability alone, Hunan Aimin Insurance has fewer specific past symptoms and a higher reimbursement ratio, but the deductible of Changde Huimin Insurance is lower.
Second, which one to buy, Changde HuiminBao and Hunan AiminBao?
After reading the above picture, the two products do have their own advantages and disadvantages, but at the same time there will be 2 questions:
- Which is better?
- Can I buy it together and be reimbursed at the same time?
1. Which is better
If the health informant, age, occupation meets the criteria and there is no exoneration of pre-existing conditions, priority is given to conventional million medical insurance, especially for children and young people.
If you cannot participate in the regular million medical insurance, you can participate in Hunan Aimin Insurance and Changde Huimin Insurance at the same time.
If you have to choose one of the two, give priority to Hunan Aimin Bao.
At this time, you will definitely have questions: can two buy together be reimbursed at the same time?
2. Can I be reimbursed at the same time if I buy together?
First of all, a premise is clarified: for commercial medical insurance, if compensation has been obtained from other means (including but not limited to basic medical insurance, publicly-funded medical care, work units, and any insurance institutions), this part of the expenses need to be deducted first, and then the remaining part is reimbursed according to the agreed deductible and reimbursement ratio.
In short, the cumulative reimbursable amount of medical insurance + Changde Huimin Insurance + Hunan Aimin Insurance is at most the actual medical expenses incurred.
Suppose that Mr. Y, an insured person of Changde Medical Insurance, was hospitalized for the first time in May 2022 due to the first diagnosis of hepatocellular carcinoma (non-specific pre-existing disease), with a total cost of hospitalization of 300,000 yuan, of which the medical insurance pooling fund and major illness insurance reimbursed a total of 180,000 yuan, and the personal medical expenses were 120,000, as follows:
- Out-of-pocket expenses for hospitalized individuals in the medical insurance directory: 50,000
- Out-of-pocket expenses for hospitalized individuals outside the medical insurance list: 70,000
If you apply for Changde Huimin Insurance and Hunan Aimin Insurance at the same time, can you reimburse them together?
Of course you can.
(1) Out-of-pocket expenses for hospitalization in the medical insurance directory
First use Hunan Aimin Insurance reimbursement, the reimbursable amount = (50,000 - deductible amount of 18,000) × reimbursement ratio of 80% = 25,600.
At the same time, because the reimbursed amount of Hunan Aimin Insurance can be deducted from the deductible of Changde Huimin Insurance, and the reimbursement amount of Hunan Aimin Insurance is 25,600 yuan greater than the 16,000 deductible of Changde Huimin Insurance, the deductible is no longer calculated at this time.
Then, the reimbursable amount of Changde Huimin Insurance = (50,000-25,600) × reimbursement ratio of 60% = 14,640
Then, the cumulative reimbursable amount of out-of-pocket expenses for hospitalization in the medical insurance directory is 25,600 + 14,640 = 40,240.
(2) Out-of-pocket expenses for hospitalization outside the medical insurance catalogue
The reimbursable amount of Hunan Aimin Insurance = (70,000 - deductible of 18,000) ×30% = 15,600.
In the same way, the reimbursed amount of Hunan Aimin Bao can be deducted from the deductible of Changde Huimin Bao, then the deductible of Changde Huimin Bao will become (the original 16,000 - 15,600 reimbursed) = 0.04 million.
Then, the reimbursable amount of Changde Huimin Insurance = (70,000 - 15,600 - deductible 0.04 million) × reimbursement ratio of 30% = 16,200.
Then, the cumulative reimbursable amount of the self-payment part of the hospitalized individual outside the medical insurance directory is 15,600 + 16,200 = 31,800.
In summary, if you are insured by Changde Huimin Insurance and Hunan Aimin Insurance at the same time, the total reimbursable amount is (40,240,000 + 31,800 = 72,040).
Special Reminder:
- The case is based on hypothetical data, for reference only, and the actual reimbursement amount shall prevail;
- The case is for reference only, different diseases, different expenses, the final reimbursement amount is not the same;
- First use product A to reimburse, and at the same time let the corresponding insurance company issue a claim split order, and then submit relevant information to the B product underwriting company to apply for a claim.
How to say it, if it is a Changde medical insurance participant, especially a group of people who have been diagnosed with specific pre-existing diseases, there is really no need to worry about buying Hunan Aimin Bao or Changde Huimin Insurance, the two add up to 238 yuan / year, and they are all bought!
At this point, which do you think is better, Changde HuiminBao and Hunan Aimin Bao?
Finally, I would like to reiterate the insurance recommendations:
With passable health, budget permitting, occupational and age-appropriate, and no pre-existing immunity, it is recommended that conventional million medical insurance, especially for children and young people, be preferred.
Not to mention the small amount of reimbursement, narrow reimbursement scope, high deductible and many problems, the key is in the stability of renewal, the current conventional million medical insurance can be guaranteed to renew for 20 years, and Huimin Insurance does not guarantee renewal, there have been many cities last year and this year has not been gone.
If there are 2 local private benefit insurance, it is recommended to buy both, learn from each other's strengths, and can deduct the deductible from each other.
It is undeniable that huimin bao is a good policy, and it has indeed helped many families to alleviate some of the pressure, but it is really not a long-term solution.
For more questions, please leave a message to tell me ~