Recently, many people in the background asked Xiaoxin which product should be bought for hospitalization expenses caused by colds and fevers. It is best if there is no deductible, the reimbursement scope is not limited to the social insurance scope, and the reimbursement ratio is not low.

And Allianz Hospitalization Bao can just meet all the conditions, 0 deductible, not limited to social insurance, and 90% can be reimbursed after social insurance reimbursement. Xiaoxin sincerely recommends this product to everyone. If you have a small medical insurance demand, you might as well buy it.

Let's take a look at the specific coverage and why it is recommended?

01. Allianz Hospitalization Bao Protection Details

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

① 10,000 yuan/20,000 yuan disease hospitalization medical insurance

Not limited to social insurance, 0 deductible, the reimbursement ratio after social insurance reimbursement is 90%, and the reimbursement ratio without social insurance is 60%.

② 10,000 yuan/20,000 yuan accidental injury medical insurance

Not limited to 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 protection

The scenarios covered include: hospitalization medical 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.

02. Why do you recommend Allianz Hospitalization Insurance to everyone?

Because there are indeed many highlights. Compared with the hospitalization insurance on the market, it is a good product that is firmly in the first echelon.

① Report self-paid medical projects

Not only expensive self-paid drugs are covered, but also reasonable and necessary self-paid projects 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 disease/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. As long as the insured spends one dollar, 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).