What can you do with good medical insurance free medical funds

The medical insurance is called "Urban Employee Medical Insurance", and the agricultural medical insurance is called "New Rural Cooperative Medical", of course, the former is good, and the reimbursement ratio is much higher than that of the New Rural Cooperative Medical System. Pension insurance must be paid for 15 years in order to enjoy monthly pension benefits after retirement.

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Don't get into the pit of good medical insurance: Among the four major types of insurance, the health notice of millions of medical insurance is relatively strict, after all, its cost performance is very high, and the insurance company can only make some "small actions" in the "health notice" in order to control the number of insured people with illness and the claim rate. Good medical insurance long-term medical insurance is no exception, and after the upgrade, the health notice has become stricter, from the former "wide in and strict out" to "strict in and strict out".

Don't get into the pit with good medical insurance.

Hello dear, I'm honored to answer for you <>

Don't get into the pit with good medical insurance: In the four major types of insurance, the health notice of millions of medical insurance is relatively strict, after all, its cost performance is very high, and the insurance company can only make some "small actions" in the "health notice" in order to control the number of sick policyholders and the claim rate. Good medical insurance long-term medical insurance is no exception, and after the upgrade, the health notice has become stricter, from the former "wide in and strict out" to "strict in and strict out".

The following related extensions, I hope to help you: Good Medical Insurance and Lifetime Cancer Prevention Medical Insurance is a lifetime medical insurance released by Alipay and Chinese Health Insurance, and Good Medical Insurance and Lifetime Cancer Prevention Medical Insurance is a cancer prevention medical insurance launched by Chinese Health for Alipay insurance platform users, which can reimburse the personal medical expenses of cancer hospitalization**. It is the country's first cancer medical insurance that can be guaranteed to be renewed for life.

The product can provide up to 4 million yuan of protection, and the lowest monthly rate is only yuan. It is not restricted by the medical insurance catalog, and the anti-cancer special drugs are fully covered, and the proton heavy ion** can be 100% reimbursed. Good Medical Insurance Cancer Prevention Medical Insurance can reimburse the out-of-pocket medical expenses of cancer hospitalization**.

It is the country's first cancer medical insurance that can be guaranteed to be renewed for life. After the product is insured, if it meets the conditions for guaranteed renewal and is continuously insured, it can be guaranteed to be renewed for life, and it can still be renewed after a cancer claim. People with three highs, patients with cardiovascular and cerebrovascular diseases, and mild thyroid cancer patients who meet the conditions for health notification can be insured.

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Legal analysis: Good medical insurance long-term medical insurance is a reimbursement insurance. However, it is not reimbursable as soon as you are hospitalized, and you can only be reimbursed if the deductible is exceeded.

The deductible for good medical insurance and hospitalization is 10,000, and the deductible for long-term medical treatment of good medical insurance can be deducted from 10,000 yuan for 6 years. Good medical insurance long-term medical insurance is more customer-friendly and lowers the threshold for customer claims.

Legal basis: Regulations of the People's Republic of China on Basic Medical Insurance for Urban Employees

Second in the province of the following units and their employees must participate in basic medical insurance in accordance with these regulations:

1) Enterprises and their employees;

2) Organs, public institutions, intermediary agencies, social organizations, private non-enterprise units and their employees;

3) Employers of military units and their employees without military status.

These Regulations shall apply to the retirees of the above-mentioned units.

Article 3 Establish basic medical insurance for urban employees, and implement a system that combines personal medical accounts (hereinafter referred to as personal accounts) with basic medical co-ordination (hereinafter referred to as co-ordination).

Ownership of a personal account belongs to the individual. The ownership of the overall planning ** belongs to all the personnel participating in the basic medical insurance.

Article 4 The basic medical insurance premiums shall be borne jointly by the employer and the employee.

Alipay's good medical shed bureau is a health insurance, as long as you use Alipay offline payment is successful, you will have the opportunity to receive, the cumulative amount of insurance in the month after receiving is 6 months, you can reimburse 50% of the cost of hospitalization, the maximum cumulative amount of insurance is 20,000 yuan.

Detailed introduction of good medical insurance free medical funds:

1. Number of claims: 2 chances to receive it a day, and you can enter the "Ant Insurance" page to receive it after the first 2 payments;

2. Receiving amount: The receiving amount is random, ranging from 2 to 50 yuan, with a maximum cumulative amount of 20,000 yuan;

3. Reimbursement hospitals: national secondary and above public hospitals;

4. Reimbursement ratio: 50% of the self-paid part of the pure hospitalization expenses of the reimbursement chain;

5. Validity period: 6 months, calculated from the first claim in the current month, and the monthly sum insured is valid for half a year;

6. How to use: Hospitalization expenses caused by illness or accidents, excluding outpatient expenses, and medicines can not be purchased in pharmacies.

According to the premium calculation, a 30-year-old man, with social security, is 259 yuan for long-term medical care in the first year of insurance. Good medical insurance long-term medical care is a product launched by PICC Health, and the renewal period of good medical insurance long-term medical care is 6 years guaranteed renewal. Generally, the long-term medical treatment of hospitalization is 2 million, and the deductible is 10,000 yuan for 6 years.

Covers 100 critical illnesses with a sum insured of $4,000,000.

1. Age: Good medical insurance long-term medical care is: 0-60 years old.

2. Protection period: 1 year, the mainstream medical insurance is paid for 1 year and 1 year, but the long-term medical insurance of good medical insurance is 6 years guaranteed renewal.

3. Insured occupations: Except for both high-risk occupations, no matter what type of insurance, there are generally restrictions on high-risk occupations.

4. Waiting period: 30 days.

5. In terms of coverage, the product covers a wide range and is very reassuring. Social security drugs, self-financed drugs, imported drugs, targeted drugs, etc. are all within the scope of protection; The types of diseases are fully covered, and if there are 100 critical illnesses as agreed in the clause, the limit will be increased by an additional 2 million yuan. Hospitalization**, chemotherapy, dialysis and outpatient procedures are reimbursed.

People's Daily Online-Candidate Case: "Good Medical Insurance, Long-term Medical" Insurance.

Good medical insurance long-term medical care is 2 million, and good medical insurance inpatient medical care is 3 million, the specific content is as follows:

Annual shared deductible.

Good medical insurance long-term medical care 2020 is to share a deductible of 10,000 yuan for 6 years, for example, Lao Wang paid 10,000 yuan for hospitalization in the first year of insurance, then in the second year, he can be directly reimbursed, and there is no longer a deductible threshold.

Secondly, its critical illness medical treatment is 0 deductible and can be reimbursed directly, which is obviously a big benefit for us

Because the deductible of many million medical insurance is 10,000 yuan for 1 year, and after 6 years, you have to pay 60,000 yuan out of pocket, so good medical insurance long-term medical care 2020 will virtually save us 50,000 yuan.

2. Comprehensive guarantee responsibility.

The basic guarantee is complete.

Inpatient medical care, special outpatient services, outpatient surgeries, and outpatient and emergency services before and after hospitalization are all covered, and there is no shortage of money.

Wide range of reimbursements.

Good medical insurance long-term medical care 2020 can be reimbursed by social security without limit, such as imported drugs, targeted drugs, in-hospital and out-of-hospital drugs, etc.

If the malignant tumor prescription prescribed by the doctor cannot be purchased in the hospital, special drug services are also provided, and you can pay directly at the designated pharmacy without paying in advance

3. Proton and heavy ion guarantee.

Proton heavy ion is currently the best cancer method, but the price of high rate and survival rate is high, and a single course of treatment requires more than 300,000 yuan.

If the medical insurance does not cover this part of the cost, we will have to pay out of pocket, but the amount is huge, and ordinary families cannot afford it.

In terms of the amount of protection, the total insurance amount of the product is 4 million yuan, of which the general medical insurance liability is 2 million yuan, the critical illness medical insurance liability is 2 million yuan, and the compensation ratio (regardless of whether the social insurance is inside or outside) is 100%. It is worth pointing out that if the insured is insured as a participant in social medical insurance, but does not receive medical treatment and settlement as a participant in social medical insurance, the insurance company will pay 60% of the compensation amount.

In terms of premium**, taking people aged 31-35 as an example, the annual premium of the product is 299 yuan or 305 yuan per person (renewal) under the condition of social security. Any person who is in good health between the ages of 28 days and 60 years old can be renewed up to the age of 100 as an insured.

Good medical insurance long-term medical care is 2 million. Regarding the terms and conditions of this product, this article must be read: "Is Good Medical Insurance Long-term Medical Care Reliable?" How much do you know about the terms and conditions? 》

Good medical insurance long-term medical insurance general illness or accident medical fund is 2 million, 100 kinds of critical illness medical fund is 4 million, the insurance amount is definitely enough, and the scope of hospitalization reimbursement is also very wide, with it to see a doctor without worry.

Alipay is the largest third-party payment platform in China, and in recent years, it has cooperated with a number of insurance companies to launch more and more types of insurance, and we can directly apply for insurance on this platform. Among them, the free insurance is very exciting. I want to try it with the mentality that it's free anyway, but I'm afraid of any pitfalls.

Today, we will introduce what kind of insurance Alipay good medical insurance free medical fund is, and whether there will be a consumption trap in it.

What does Good Health Insurance Free Medical Supplement mean?

The free medical fund of good medical insurance can only be used for hospitalization reimbursement, which is indeed the free health insurance amount given by Alipay United Insurance Company, and we do not need to pay premiums. It has a maximum cumulative limit of $20,000 and a coverage period of 6 months.

Insurance Advantages:There is no waiting period, no cooling-off period, which means that it will take effect immediately after we collect it.

CoverageHospitalization can be reimbursed, and hospitalization expenses caused by accidents, general illnesses or major illnesses can be reimbursed, including bed fees, extra bed fees, meal fees, nursing fees, intensive care unit bed fees, consultation and treatment fees, examination and testing fees, ** fees, drug fees, surgery fees, ambulance use fees, etc., as well as necessary and reasonable inpatient medical expenses paid by individuals.

Non-Coverage:Outpatient expenses, dental, plastic surgery and maternity non-disease hospitalization expenses are not covered.

How to get itWhen you pay at the store every day, you can receive a certain amount of Haoqing Wang's pure medical insurance and free medical funds, and the number and amount of accumulation per day are randomly generated by the system, with a maximum cumulative upper limit of 20,000 yuan.

Claim amountGood Medical Insurance Free Medical Benefit is a reimbursement type of insurance, and the reimbursement amount is capped at 50% of the hospitalization expenses paid by the individual. The reimbursement amount for each hospitalization is 24 00 on the day of discharge from the hospitalization, minus the amount of claims accumulated during the insurance period.

The most noteworthy thing is that we must pay attention to whether we choose it when applying for insuranceAuto-renewalThis option. If you don't pay attention, Alipay may automatically deduct us for renewal after the validity period has passed, and if the balance or the funds in Yuebao are not enough, you may also use Huabei to pay.

On the whole, in addition to the need to pay attention to the automatic renewal of Alipay's free medical funds, there are no traps in other places, which are free to receive and use, and whether to buy or not is also voluntary.