When buying hospitalization insurance, everyone certainly hopes that the product they buy has enough protection and that the reimbursement is not so complicated.

So on the whole, I recommend a hospitalization insurance to everyone - Allianz Hospitalization Insurance, which can definitely meet the expectations of most people.

Reimbursement is made both inside and outside the social security;

There is no threshold for reporting, and the deductible is 0 yuan;

Reimbursement scenarios include colds, fevers, pneumonia, falls, injuries, cat scratches, dog bites, etc.;

Flexible insurance coverage, 10,000 or 20,000 yuan can be selected as needed.

Next, let's take a closer look:

1. What can Allianz Hospitalization Insurance cover?

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

Unlimited social security, 0 deductible, the reimbursement ratio after social security reimbursement is 90%, and the reimbursement ratio without social security is 60%.

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

Unlimited social security, 0 deductible, the reimbursement ratio after social security reimbursement is 90%, and the reimbursement ratio without social security is 60%.

③ 100,000 yuan/200,000 yuan accidental death/disability insurance

2. Why is Allianz Hospitalization Bao worth buying?

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 testing fees, nursing fees, and intensive care unit bed fees. In particular, in addition to hospitalization for illness, accidental hospitalization can also reimburse self-paid medical care!

② 0 deductible for illness/accidental medical care

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 yuan, the insurance company will also pay one yuan.

③ High reimbursement ratio

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

④ Flexible protection, optional coverage

JD Allianz 1 yuan starting compensation hospitalization Bao 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.