Medical insurance will not make us rich, but it will give us the confidence to face more diseases.
——Kun Peng on Bao
After two years of development, urban inclusive insurance has become an essential choice for many people in addition to basic medical insurance.
The number of successful insured persons of Beijing Universal Health Insurance reached 3.0151 million.
The number of insured people in Shanghai Shanghai Huibao exceeded 7.18 million, accounting for 37.4% of the more than 19 million basic medical insurance participants in Shanghai, and the premium income reached 830 million.
This series of data is undoubtedly revealing a message to us:
It's not that people don't have insurance awareness, but they haven't encountered a suitable insurance product.
Compared with millions of medical insurance, the advantage of urban universal insurance is not that the coverage is comprehensive, but that the insurance threshold and super cheap premium are infinitely reduced, which greatly expands the insured population and allows more people excluded by commercial medical insurance to enjoy the protection of commercial medical insurance.
However, urban inclusive insurance also has a disadvantage - medical insurance is not local and cannot be insured.
As population movements intensify, and even many elderly people have begun to live in their children's cities, health insurance does limit some people to participate.
At the same time, the protection of GSP products varies between different cities, which also adds some difficulties to insurance.
We still need a universal insurance policy that can cover the whole country and make it easy for more people to apply.
The security policy we introduce today is such an inclusive insurance.
What is its specific coverage? Is it worth insuring?
Let's take a look.
Security's duty to protect
The pros and cons of A-Bo
Who is A-Pack for?
Why are premiums getting more expensive?
ATH FAQs
1. What is the insurance liability of Anhui Insurance?
Let's take a look at the security obligations of HC First.
As the insurance company that launched the first million medical insurance in China, ZhongAn Insurance has a wealth of experience in medical insurance, which also laid the foundation for them to launch a national inclusive insurance.
The specific medicines of AFH include the following 25 types.
These specific drugs are relatively expensive, the reimbursement rate can reach 80%, there is no deductible, or very good.
Second, the advantages and disadvantages of the security guarantee
Compared with other urban inclusive insurance, the characteristics of security insurance are very obvious.
1. 100% reimbursement is available
If you often pay attention to inclusive insurance, you will find that the reimbursement ratio of the vast majority of inclusive insurance products is usually 70% or 80%, and it is very rare to reach 90% reimbursement.
In this way, it is also limited to the medical insurance directory, and many universal insurance products do not cover the medical insurance directory. Even if it is covered, the payout ratio will be reduced.
The biggest features of AMP;B are:
The sum insured in the medical insurance directory is 2 million, and the insurance amount outside the medical insurance directory is 1 million, and 100% is reimbursed after deducting the deductible.
Don't look at the reimbursement amount of 20% or 30% more, when it comes to hospitalization, it often means that you can spend tens of thousands or even hundreds of thousands of dollars less.
For most families, tens of thousands, hundreds of thousands is not a small number, and even can determine the outcome of treatment.
2. Insured nationwide
Another feature of THE security policy is that it can be insured nationwide.
Prior to this, most of the GSP products were only for a prefecture-level city, so the GSP was also known as the City GSP.
For a period of time, there was a trend of expanding the scope of protection, and there were products that could be insured by medical insurance participants in the province, such as anhui huibao that could be insured in the whole of Anhui Province, and Yujian insurance that could be insured in the whole of Henan Province, and then gradually returned to the city.
Another feature of GSP products is that there is generally only one product in the same city.
This means that if there is no local GSP product, or the GSP is not cost-effective, it is difficult for users to have a choice.
So we still lack a national GSP, such as:
If the local general insurance is good, we can insure the local;
If the local GSP is not good, we can also insure the whole country.
All in all, as insured persons, it is very important to at least leave the choice to us.
3. Supports proton heavy ion therapy
Proton heavy ion therapy is currently a very effective way to treat cancer, and if symptomatic, the cure is still very promising.
Anhui guarantees an insurance amount of 1 million proton heavy ion therapy, and the reimbursement is 70%, which is good in similar products.
After talking about the advantages, let's talk about the disadvantages of Anhui Insurance.
1. Health advice is relatively strict
The biggest feature of GSP products is that health information is relaxed, and many sick bodies can be included in the scope of protection.
Compared with other GSP products, the health information of AMC is stricter, and it may be stuck in some people who are compared to their bodies.
Of course, it will certainly not be as strict as million medical insurance, and the insurance for high blood pressure level 2 and below, nodules and the like is completely stressful.
2. Premiums are more expensive
Compared with other GSP premiums of tens of dollars, the premium of ATS will also be more expensive. The premium for 40-59 years old is 389 yuan, and the premium for 60-70 years old is 829 yuan, which does not seem like the premium standard of a general insurance.
From the perspective of protection and premium, AMPIC is more like a product between million medical insurance and inclusive insurance.
At this time last year, ZhongAn also launched a universal insurance with particularly cheap premiums - Zhong'an People's Inclusive Insurance, the premium for 40-59 years old only needs 68 yuan, and the premium for 60 years old only needs 198 yuan.
This year's product premiums have obviously increased significantly, but the coverage is also more comprehensive.
3. Who is the right person to buy?
For the protection and premium of Anhui Insurance, Peng Ge believes that if you cannot insure million medical insurance for physical reasons, but you want to have medical insurance protection, you should choose Anhui Insurance first.
Although the premium is a little more expensive, the protection is really better.
Compared to these increased benefits, it is acceptable that the premium is a little more expensive.
If the health notice of Anhui Insurance cannot be passed, the second step is to purchase the local health notice more relaxed universal insurance products.
For physical health, especially young people, Pengge is not recommended to buy universal insurance products at any time, and such people should buy millions of medical insurance.
At the end of June this year, HuhuiBao released insurance data, of which there is a set of data Pengge is more concerned:
As far as the insured age group is concerned, the post-80s generation is the main force of the insured population of Shanghai Huibao. Specifically: 47% of people aged 51-80; 33% of people aged 31-50; 9% of people aged 18-30; 8% of people aged 0-17
Obviously, there are many young people who have taken out Shanghai Huibao.
These young people, if their physical health permits, should give preference to one million medical insurance rather than universal coverage insurance.
GSP is more suitable for those who are unable to take out millions of medical insurance due to their physical health conditions.
Fourth, why are premiums getting more and more expensive?
If you pay attention to urban inclusive insurance, you will find that the premium of universal insurance has become more and more expensive in recent times, and the premium is more expensive than the universal insurance product launched last year.
Taking Beijing as an example, in 2020, Beijing Huibao is 79 yuan / person, Beijing Huiba insurance in May 2021 is 89 yuan / person, and Beijing Universal Insurance in July 2021 is 195 yuan / person.
The reason is self-evident: insurance companies lose money.
Many people only saw the 7.18 million insured persons of Shanghai Huibao Insurance, accumulating 826 million yuan in premiums, but did not care much about the claim data.
According to data, Shanghai Huibao lost 128 million yuan in 2 months.
Even if the subsequent claims rate remains the same, the amount of claims claimed in a year will reach 768 million, accounting for 93% of premium income.
Those who are familiar with medical insurance know that the claim rate of medical insurance is gradually increasing, and it is difficult to control at the initial level.
These have not yet calculated the operating costs of the insurance company.
When The promotion of Shanghai Huibao was first listed, I believe that many people have learned, which can be called online + offline three-dimensional publicity, which can cost money, which also means that losing money is almost a foregone conclusion.
Moreover, Huhuibao is not an isolated case.
Guangzhou Sui Shikang lost 184 million yuan in half a year, each person premium of 180 yuan, the number of insured people is about 3.3 million, the total premium is 594 million yuan, however, the amount of claims in a year to reach 400 million will not be a problem, loss of money, obvious.
Peng Ge introduced before that inclusive insurance is not a new product, the first city inclusive insurance was launched by Shenzhen in 2015, and then until 2020, no second city has launched similar products, the reason is to lose money.
In 2020, under the guidance of policies, it is not surprising that urban inclusive insurance will be fast and lose money.
After a year of development, insurance companies have gradually mastered some data, and it is also the trend to increase premiums.
5. Frequently asked questions about SECURITY
1. How do I apply?
If you want to apply for Anhui Insurance, directly download the "ZhongAn Insurance" APP, find Anhui Insurance to apply for insurance, the whole process is still very smooth.
After all, ZhongAn started with Internet insurance and did a very good job in product use experience.
2. Can I insure with the new agricultural cooperative?
OK.
The full name of the new rural cooperative is the new rural cooperative medical care, which refers to the system of mutual assistance and mutual assistance for farmers who are organized, guided and supported by the government, voluntarily participated by farmers, raised by individuals, collectives and the government, and mainly based on the overall planning of major diseases.
The new agricultural cooperative is an important part of the country's basic medical care, and the number of people insured is far greater than that of urban workers' medical insurance.
3. Is there a pre-existing illness claim?
Unfortunately, no claims will be made.
Like other inclusive insurance plans, AMB does not cover pre-existing conditions.
Not settling claims for pre-existing illness is to prevent the insured from making adverse choices and is one of the most important procedures for insurance companies to control their own risks.
The only claim for pre-existing conditions is our basic medical insurance.
Kun Peng on insurance, 10 years of insurance and investment experience, understand insurance, understand investment!