What is Ping An Hospitalization Insurance, and what is Ping An Hospitalization Allowance Insurance

Ping An Hospital Insurance Plan is a hospital medical insurance that covers not only the drugs used in the social insurance, but also the self-paid drugs that are not covered by the social insurance.

Hospitalization medical insurance is one of the types of medical insurance, so should we choose other types of medical insurance? Dad's article tells you whether you should buy medical insurance or not, "Which is the best medical insurance?" How to buy the best? 》

Let's take a look at this product:

1. Guarantee content.

Sum insured: $10,000 for Plan 1; Plan 2 is 20,000.

Accidental death and disability: 20,000.

Reimbursement scope: the cost of self-financed drugs within the scope of social security and expansion.

2. Scope of reimbursement.

If there is social security, 0 deductible, 100% reimbursement of expenses, 0 deductible, 100% reimbursement of expenses for self-financed drugs.

If there is no social security or no social security version, 0 deductible, 60% of the cost will be reimbursed.

If there is no social security worry, the reimbursement rate for self-financed drugs is 50%.

Designated hospitals: General departments of secondary and above public hospitals.

3. Daddy's summary.

Ping An Hospital Insurance Plan has comprehensive coverage and wide coverage of insurable ages, but the premium is higher, so friends who want to apply for insurance can consider it appropriately.

Hospitalization insurance: mainly the cost of the daily inpatient room, the doctor's ** fee during the hospitalization, the cost of using hospital equipment, the cost of surgery, medical expenses, etc. Ping An has many insurance reimbursement covers the expenses incurred in hospitalization, such as Ping An e-life insurance, which can be reimbursed in addition to hospitalization expenses and special outpatient services.

100% reimbursement for outpatient and emergency visits for 7 days before and after hospitalization.

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

Ping An Hospitalization Allowance Insurance is an insurance product launched by the insurance company that pays insurance benefits according to the number of days of hospitalization of the insured, and the characteristics of this insurance product are that it can subsidize the hospitalization expenses and lost work losses of the insured during hospitalization to a certain extent.

At present, hospitalization allowance insurance generally pays general hospitalization daily insurance benefits, intensive care unit daily insurance benefits, surgical fixed insurance benefits, and additional benefit insurance benefits.

1. General hospitalization daily insurance premium, when the insured must be hospitalized due to accidental injury or illness diagnosed by the hospital**, the insurance company will pay the general hospitalization daily insurance benefit in accordance with the contract.

2. Intensive care unit daily insurance premium, when the insured must be hospitalized due to accidental injury or illness diagnosed by the hospital**, and must be admitted to the intensive care unit during the hospitalization period, the insurance company will pay the intensive care unit daily insurance benefit according to the insured's actual stay in the intensive care unit.

3. Surgical fixed amount insurance benefit, if the insured must be hospitalized due to accidental injury or illness diagnosed by the hospital**, and the operation is performed during the hospitalization of the hospital**, the insurance company will pay the surgical fixed amount insurance according to the contract.

4. Additional protection insurance benefits, if the insured is in the hospital recommended by the insurance company**, the insurance company will pay a certain amount of additional insurance benefits on the basis of the above-mentioned general hospitalization daily insurance premiums, intensive care unit daily insurance premiums, and surgical fixed insurance premiums.

Extended information: 1. Insurance is a Chinese word, pinyin is bǎo xiǎn, English is insurance or insuraunce, the original meaning is safe and reliable protection; It is a tool used to plan life finances, a basic means of risk management under the conditions of market economy, and an important pillar of the financial system and social security system.

2. Insurance refers to the commercial insurance behavior in which the policyholder pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of compensating for the property loss caused by the accident that may occur as agreed in the contract, or the insured bears the responsibility of paying the insurance money when the insured dies, is disabled, sick or reaches the age and time limit agreed in the contract.

3. From an economic point of view, insurance is a financial arrangement for sharing the loss of accidents; From a legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for its losses; From a social point of view, insurance is an important part of the social and economic security system, and it is a part of social production and social life"Delicate stabilizer";From a risk management perspective, insurance is a method of risk management.

Hello I am happy to serve you, hospitalization allowance insurance is one of the hospitalization medical insurance, its role is to a certain extent to subsidize the hospitalization expenses and loss of work during the hospitalization of the insured, is a fixed payment type medical insurance. The function of hospitalization allowance insurance is simple, and it is paid according to the actual number of days of hospitalization of the insured. The general hospitalization allowance is not limited by the social security catalog, and the daily allowance is very suitable for most people.

When applying for hospitalization allowance insurance, it is important to understand the number of days of payment and deductible of the insurance product. Generally, the benefits of this type of allowance insurance are not endless, there is a limit to the number of days, and some products may also have a deductible days. For the insured, it is naturally more advantageous to choose a product with more payouts and fewer deductibles.

When applying for a claim for hospitalization allowance insurance, you do not need to submit a hospital invoice, you can get a daily claim, and you can pay multiple times if you buy more. Hospitalization allowance insurance is usually attached to some main insurance such as critical illness insurance, and the rate may vary depending on the age of the insurance, but the annual premium is basically fixed after the insurance is purchased. The insurance premium of hospitalization allowance insurance is calculated according to the number of days of hospitalization, most products will have deductible days, and the number of days of compensation is not more than one day, etc., and the amount of allowance that can be paid per day for products of different insurance companies will also be, depending on the provisions in the contract.

Hope mine is helpful to you.

Ping An Hospital Insurance is underwritten by Ping An Property & Casualty Insurance for the age of 18 to 60 years old, with a coverage period of one year and renewable up to the age of 65. The product is available in three different versions: Basic, Upgrade, and Premium

1.What is Safe Hospital?

The responsibilities of the three versions of the Hospitalization Protector are the same, and all provide coverage for accidental or sick hospitalization benefit, accidental death during hospitalization, etc. The difference is that each sum insured.

The difference depends on the premium:

1) Hospitalization allowance for accidents or illnesses.

Hospitalization allowance of $100, $300 and $500 per day (up to 90 days) for hospitalization due to accident or illness.

2) Accidents occur during hospitalization.

During hospitalization, the death caused by an accident can be compensated 10,000 20,000 30,000 yuan.

Ping An Hospitalization Benefit is not high for accidental death during hospitalization, and its biggest role is to compensate for the loss of income for yourself and your family during the hospitalization. Therefore, our main focus is on the accident and sickness hospitalization allowance.

Ping An Hospitalization Insurance, the waiting period for hospitalization is 15 days, an ultra-short waiting period, no waiting period due to accidents, and a deductible for the product.

Uniformly for 3 days.

2.How much does Ping An Hospital's peace of mind insurance cost?

The premium of Ping An Hospitalization Insurance is between 100-500 yuan, and for ordinary families, it is enough to choose the 300 yuan version and receive a hospitalization allowance of 300 yuan per day.

If you are hospitalized due to an unexpected illness and are unable to perform any work, a daily hospitalization allowance of $300 is sufficient to pay for lost work. Moreover, it only costs 300 yuan a year, and it only costs 25 yuan per month.

3.What are the precautions?

1) The fee for three days can be waived. In other words, the insured person does not pay the fee 3 days before hospitalization, and the hospitalization allowance is paid for a maximum of 90 days.

2) There is a waiting period of 15 days for hospitalization due to illness, and there is no waiting period for accidental hospitalization.

3) Waiver of previous symptoms. That is, before applying for insurance, and need to be on the condition of long-term or being accepted**, and then hospitalized for this illness after applying for insurance, it cannot be compensated.

Test your anti-risk index, experts will interpret it for you for free!

Ping An Hospitalization Allowance Insurance is a medical insurance type of payment.

That is to say, if you have purchased more than one Ping An hospitalization allowance insurance, you can superimpose the reclaim of Chongming mu, and if you buy a few copies, you can compensate for several allowances. Ping An hospitalization allowance insurance can mainly cover the protection period, if the insured has to be hospitalized in the hospital specified in the insurance contract due to accidental injury or illness after the expiration of the waiting period**, the insurance company can pay a hospitalization allowance per day after subtracting the absolute deductible days from the actual hospitalization of the insured each time, and a maximum of 90 days unless otherwise agreed.

Generally speaking, the main causes of hospitalization include accidents and illnesses, both of which must be included in the insurance liability of hospitalization allowance insurance, otherwise the risk coverage of this insurance is not comprehensive enough.