In simple terms, 0 deductible hospitalization medical insurance means 0 deductible, no deductible threshold, and reimbursement according to a certain compensation ratio.

This is different from the million-dollar medical insurance we often talk about.

Million-dollar medical insurance generally has a deductible of 10,000 yuan. In the case of hospitalization, you must first reimburse from social security, and the remaining medical expenses must be borne by yourself up to the deductible threshold of 10,000 yuan, and the excess will be reimbursed by the insurance company;

In real life, major disease protection is very important, but million-dollar medical insurance is not often used, so it must be matched with 0 deductible hospitalization medical insurance-Allianz hospitalization medical insurance (0 deductible is not limited to social security).

Like daily minor illnesses and injuries, such as colds, fevers, pneumonia, cat scratches, dog bites, falls, falls, burns, etc., because these hospitalizations cost three to five thousand, most of them can be reimbursed.

Let's take a look at the specific coverage and reimbursement ratio.

Allianz Hospitalization Protection Content

This product is divided into two plans, the coverage content is the same, but there is a difference in the coverage amount. The details are as follows:

①10,000 yuan/20,000 yuan medical insurance for hospitalization

No limit on social insurance, 0 deductible, the reimbursement ratio after social insurance reimbursement is 90%, and the reimbursement ratio without social insurance is 60%.

②10,000 yuan/20,000 yuan accidental injury medical insurance

No limit on social insurance, 0 deductible, the reimbursement ratio after social insurance reimbursement is 90%, and the reimbursement ratio without social insurance is 60%.

③100,000 yuan/200,000 yuan accidental death/disability insurance

The scenarios covered include: hospitalization expenses caused by colds, fevers, pneumonia, accidental falls, or cat and dog bites, etc. As long as the hospital meets the requirements (secondary and above public hospitals) and the fees are reasonable, there is no big problem with claims.

What are the highlights of Allianz Hospitalization Treasure?

① Self-paid medical items

Not only expensive self-paid drugs are covered, but also reasonable and necessary self-paid items such as surgery fees, examination and inspection fees, nursing fees, and intensive care unit bed fees. In particular, in addition to hospitalization for illness, accidental hospitalization can also be reimbursed for self-paid medical treatment!

② 0 deductible for illness/accidental medical treatment

Deductible, that is, the amount of deductible. The insurance company and the insured agree in advance that the insured shall bear the part of the loss by himself. 0 deductible means that the insurance company has not set a deductible, and the insured only needs to spend one dollar, and the insurance company will also pay one dollar.

③ High reimbursement ratio

No deductible, after social insurance reimbursement, the reimbursement ratio is 90%, which is relatively rare among similar products on the market. Without social insurance reimbursement, the reimbursement ratio is 60%, which is the same as most products on the market.

④ Flexible protection, optional coverage

JD Allianz 1 yuan compensation hospitalization treasure has two protection plans to choose from, with hospitalization coverage of 10,000 yuan and 20,000 yuan. You can choose the appropriate plan according to the actual situation.

In addition, look at the price, starting from more than 200 yuan, you can get a year of coverage (different prices for different age groups).