The most worrying thing for a family is when a family member is sick. First, they worry about their family members' health, and second, going to the hospital for treatment is really difficult and tiring - it takes time, effort and money.
It is difficult for Xiaoxin to help relieve the physical and mental worries, but the economic pressure can be passed on. Configure medical insurance well, and in the best case, you can see a doctor without spending a penny.
The adults in the family can buy JD Allianz 0 deductible hospitalization medical insurance - not limited to social insurance.
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%.
③ 100,000 yuan/200,000 yuan accidental death/disability insurance
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, ICU bed fees, etc. In particular, in addition to hospitalization for illness, accidental hospitalization can also be reimbursed for self-paid medical treatment!
0 deductible for medical treatment for illness/accident
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.
Children at home can buy Nuanbaobao No. 2 outpatient emergency insurance - hospitalization can also be covered.
The main coverage includes: accidental outpatient and hospitalization; disease outpatient and hospitalization; 12 kinds of children's specific disease insurance; accidental death/disability due to vaccination
Nuanbaobao No. 2 Children's Outpatient and Emergency Insurance = "Accident Insurance + Small Medical Insurance + Children's Special Disease Insurance"
In terms of coverage, Nuanbaobao No. 2 covers accidental medical treatment, disease hospitalization, disease outpatient and emergency treatment, 12 children's specific diseases, etc. It covers all common accidental and disease risks for children.
Nuanbaobao No. 2 extends the medical liability of accidents, outpatient and emergency treatment, and hospitalization to social insurance, and can also reimburse external medicines (that is: Class B self-paid expenses + Class C full self-paid expenses can be reimbursed 40%).
Adults and children can supplement major disease medical insurance, and Changxiang'an Million Medical Insurance - 20 years is preferred.
Anyone who has learned about medical insurance knows that small medical insurance and million medical insurance are perfect partners, because small medical insurance has a coverage of 10,000 or 20,000, and the deductible is low, while million medical insurance often has a deductible of 10,000 yuan, which is just below 10,000 yuan for small medical reimbursement, and above 10,000 yuan for million medical insurance reimbursement.
I recommend Ping An Changxiang'an Million Medical Insurance to everyone. The coverage mainly includes: general hospitalization medical care, hospitalization medical care for serious illness, emergency medical care before and after hospitalization, special outpatient medical care, outpatient surgery medical care, purchased drugs (anti-cancer special drugs), etc.
Among them:
Hospitalization expenses: usually include bed fees, bed companion fees, intensive care unit bed fees, meal fees, nursing fees, treatment fees, inspection and testing fees, drug fees and medical device usage fees within the scope of the drug and medical device compensation catalog, doctor's treatment fees, surgery fees and transfer ambulance usage fees.
Outpatient surgery: including surgeon fees, operating room fees, recovery room fees, anesthesia fees, surgical testing fees, surgical assistance fees, material fees, disposable supplies fees, intraoperative drug fees, and surgical equipment fees.
Medical insurance for adults and children can be matched according to small medical care + million medical care, spending small money to leverage large protection and reduce the economic pressure when seeking medical treatment.
May each of us and every family be healthy.