What are the insurance products with a daily hospitalization subsidy of 200 yuan?

Hello, the insurance that can subsidize the subsidy of 200 yuan is, Chinese life.

Corning Whole Life and Ping An Insurance.

hospitalization insurance.

In addition, the purchase of consumer insurance, 200 yuan per year, including 200,000 accidents, 10,000 accidental injury medical treatment, 200 yuan per day accidental hospitalization subsidy. There is no simple hospitalization subsidy, you can buy dividends with additional insurance, 5000 per year, you have to pay for 10 years, until you are 80 years old, you will have a certain income when you are 80 years old, but don't expect a high return.

The following is a detailed introduction to the information required for hospitalization insurance and what are the subsidies:

Insured person's ID card.

Original insurance policy and claim application.

Certificate of diagnosis, inpatient medical records.

The original hospitalization invoice (or the original medical insurance statement and a copy of the invoice), the hospitalization list, and a copy of the bank card (or the beneficiary's ID card, a copy of the bank card and a document that can prove the relationship with the insured). In addition, to apply for hospitalization allowance, it is necessary to submit the temperature record during the hospitalization to the insurance company (in accordance with the insurance contract).

To sum up, there are two types of subsidies that hospitalization insurance can provide to the insured: hospitalization medical expense subsidy and hospitalization allowance subsidy.

2. What are the subsidies for hospitalization insurance?

Generally speaking, there are two types of benefits that can be provided by hospitalization insurance:

1. Subsidy for inpatient medical expenses:

If the insured person needs to be hospitalized due to illness or accident**, the medical expenses incurred by the insured person who meet the requirements of the basic medical insurance need to bear the medical expenses of the insured person.

During the validity period of the contract, the insured person needs to pay for hospitalization medical expenses one or more times, and the insurance company will deductible.

After the deduction, the compensation will be made according to the proportion agreed in the insurance contract, but the insurance payment will not exceed the insured amount.

If the insured person is already under medical insurance or publicly funded medical treatment.

or other means, the insurance company will only reimburse the remaining out-of-pocket medical expenses.

2. Hospitalization allowance subsidy:

If the insured person needs to be hospitalized due to an accident or illness**, the insurance company will pay the hospitalization allowance according to the number of days of hospitalization.

Hospitalization allowance insurance benefit = daily allowance amount Actual number of days of hospitalization - deductible days).

Note: Different insurance companies offer different deductible days for different hospitalization plans.

From the perspective of the insurance industry, the current daily hospitalization subsidy of 200 yuan insurance products, including Chinese Life's Corning Life, Ping An Insurance's serious illness medical insurance.

The subsidized hospitalization medical insurance is not related to the hospitalization fee, but only the total number of days in hospital, which is a fixed amount multiplied by the total number of days in hospital. At present, there are two main forms of subsidized hospitalization medical insurance: payment according to the number of days of hospitalization and payment according to the cost of surgery. From the perspective of time, the subsidized hospitalization medical insurance can also be divided into three forms: one-year, regular and lifelong.

The one-year subsidized hospital medical insurance plan is relatively flexible, but it is almost impossible to renew it in the event of a critical illness. The fixed-term subsidized hospitalization medical insurance is between one-year and life-long, which can not only better protect the interests of the policyholder, but also be relatively reasonable in terms of premium setting, which can be said to complement each other. Life-long allowances such as Lu-type hospitalization medical insurance with high slag insurance coverage are more extensive, and there is no phenomenon of insurance companies raising premiums or refusing insurance, but the cost is relatively high.

And we should know that subsidized medical insurance is not an insurance that can compensate for all hospitalization medical expenses when you are hospitalized, it only compensates for the unexpected loss of hospitalization medical expenses incurred after hospitalization due to illness, such as salary compensation for leave due to hospitalization, and there are generally deductible days.

Hospitalization peace of mind level 1 insurance allowance table.

1. The absolute deductible days for each hospitalization with a daily hospitalization allowance of 30 yuan are three days, that is: the number of days of hospitalization medical allowance payment = the actual number of days of hospitalization - 3 days. The maximum number of days of hospitalization and medical allowance per insurance year is 180 days. 

2. Daily cancer hospitalization allowance of 50 yuanThe insured suffers from malignant tumors for the first time ten days after the effective date of this contract, and must be hospitalized by the hospital**, and the company pays cancer hospitalization medical allowance according to the number of days of hospitalization of the insured person. The maximum number of days of cancer hospitalization benefit per insurance year is 180 days.

3. The inpatient surgery allowance ranges from 26 to 275 each time, and the number of times per year is not limited, and the upper limit of the claim amount is 5,000 yuan, which is determined according to age. If the insured suffers an accident or is diagnosed by the hospital as necessary for surgery due to accidental injury or illness, the company will pay the surgical medical allowance according to the surgical items performed by the insured, and the amount of surgical medical allowance shall be limited to 5,000 yuan per insurance year.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

Yes, a lot! China Life long-term care hospitalization fixed payment medical insurance.

High subsidy: You can enjoy a high fixed amount of hospitalization to reduce the burden on the family.

Comprehensive protection: A fixed payment of up to 100 days makes your protection more comprehensive.

Long-term care: renewable up to the age of 70.

Coverage. Anyone who is more than 28 days old and under 65 years old and in good health can be insured. The person with full capacity for civil conduct or another person with insurance interests shall apply for this insurance from the company as the policyholder.

Period of insurance. The insurance period of the contract is one year, and with the consent of the company, the policy can be renewed up to the age of 70 in accordance with the contract

Effective date of the first year after the first birthday.

Payment method. The insurance premium shall be paid in one lump sum by the policyholder at the time of insurance application or renewal, or it can be paid in installments as agreed in the contract.

Insurance Liability. During the contract insurance period, if the insured is hospitalized in a second-level or above hospital (including second-level) hospital or other medical institutions recognized by the Company due to accidental injury or illness after 90 days of the effective date of the contract (if the insurance is renewed as agreed in the contract, it is not subject to the 90-day limit), the Company shall calculate and pay the insurance benefit according to the number of days of living allowance multiplied by the standard of daily living allowance.

The amount of insurance paid by the Company in each policy year is limited to the sum insured under the contract. When the insured is hospitalized** across two policy years, the insurance benefit paid by the Company is limited to the sum insured of the contract for the policy year on which the insured commenced hospitalization.

There is such a product, Taikang Company has a "Century Taikang", which is such a product, which can be used as a separate main insurance.

This product is a life insurance product with hospitalization medical expenses allowance, that is to say, during the customer's hospitalization due to illness or accident, the insurance company will pay the customer a daily hospitalization allowance at the amount agreed in the contract, which can be paid for up to 365 consecutive days a year, and also has the daily allowance for hospitalization for critical illness, the allowance for surgical expenses and the protection of organ transplantation, so as to meet the needs of customers for medical protection, including hospitalization allowance, surgical allowance, organ transplantation and other medical protection. At the same time, through the guarantee of renewal, the value and significance of medical insurance are truly reflected.

This product is a short-term one-year product with an issue age of 3 years and guaranteed renewal up to age 65.

Product features: medical insurance with the highest amount of insurance (up to 10,000 yuan).

Shorter and more reasonable waiting period (30 days).

Guaranteed renewal, the first in China.

Low premiums and wide coverage; Fully fixed, convenient claims; Covers at least 1056 surgeries.

Arnold answers: Hello!

The hospitalization subsidy insurance payment has nothing to do with the actual medical expenses, and the insurance company pays the insurance benefits according to the actual number of days of hospitalization and surgical items of the insured. The benefit is based on hospitalization, which is generally calculated on a daily basis, and the amount of insurance varies according to the number of days of hospitalization and the type of surgery. This type of insurance can be purchased in multiple units or at multiple companies.

Before you enroll, it's important to note that most subsidized health insurance plans have a limit on the maximum number of days you can pay per hospitalization (most are not 180 days). At the same time, in order to control the risk, the general contract stipulates a waiting period of 30-90 days.

Hospitalization subsidized insurance is divided into 1-year, life-long, and fixed-term insurance (e.g., 10-year, 20-year term) in between. The biggest advantage of the 1-year subsidized medical insurance is that it is flexible, and the policyholder can choose the amount of protection according to their own needs; The disadvantage is that the policy needs to be renewed every year, and once a major illness occurs, the difficulty of renewing the insurance in the future will increase; The premium of this type of insurance will also increase year by year as the insured person ages.

Lifetime hospitalization subsidy insurance generally adopts a balanced premium, that is, the premium will not increase with the age of the insured or changes in physical condition, and the annual premium will be the same during the payment period; During the insurance period, the insured person can receive duplicate compensation for hospitalization due to illness; Insurance rates are relatively high.

When applying for a claim for hospitalization subsidy insurance, there is no need to provide the original bill or split sheet related to the expenses incurred, but only need to provide the diagnosis certificate and the certificate of hospitalization time, and the claim procedure is convenient.