How to reimburse Linyi insurance

1, reporting reservation: Personal information can be registered through the official account of "Linyi Bao" WeChat (Huawei P40 Android client version: 8.0. 1 1). After the information is registered, there will be a claim line for feedback and communication one by one.

2. Offline claims: Patients can bring relevant claims data to offline claims outlets for claims, including:

(1) City Company: Jinsilu City Insurance Company;

(2) Lanshan: No.1 Jinqueshan Road, lanshan district 16 1;

(3) Luo Zhuang/High-tech Zone: No.229, Shuangyuehu Record, Luo Zhuang (500m west of quancheng road, Xinjiang).

Other places can refer to the detailed address indicated in the official account of Linyi Insurance WeChat "Notice of Claims".

Second, the advantages and disadvantages of Linyi insurance

1 and the advantages of Linyi insurance

Loose insurance threshold: Linyi insurance is very friendly to the sick and elderly. As long as you have participated in the basic medical insurance in Linyi City, Shandong Province, you can apply for Linyi insurance regardless of your health status.

Reimbursable past diseases: Many commercial medical insurances do not reimburse medical expenses caused by past diseases, but Linyi Insurance can reimburse medical expenses caused by past diseases. Suffering from cardiovascular and cerebrovascular diseases such as hypertension, malignant tumor, chronic renal failure, systemic lupus erythematosus, paralysis, aplastic anemia and other major diseases, 30% of medical expenses can still be reimbursed.

Cheap premium: buy Linyi insurance, and 69 yuan only pays one-year premium. A meal can buy a year's guarantee, which is very cost-effective.

2. Deficiency of Linyi insurance

Narrow coverage: Most commercial medical insurance in the market can not only reimburse hospitalization expenses, but also reimburse outpatient and emergency services, outpatient surgery and special outpatient services before and after hospitalization. The coverage of Linyi insurance is the specific high-priced drugs in hospitalization and outpatient service in medical insurance, and the coverage is obviously a bit thin.

High deductible: deductible is medical expenses that insurance companies do not reimburse. Insurance companies will only reimburse medical expenses that exceed the deductible. Linyi Insurance has a deductible of 20,000 yuan for certain high-priced drugs in inpatient and outpatient departments. In other words, the hospitalization expenses must exceed 20,000 yuan to be reimbursed, and the expenses of some high-priced drugs in the outpatient department must exceed 20,000 yuan to be reimbursed. It is difficult to reach the claim threshold of Linyi Insurance. However, the deductible of most millions of medical insurance in the market is only 1 10,000 yuan, and the deductible of small medical insurance is as low as several hundred yuan.

Low reimbursement rate: 80% for non-previous diseases and 30% for previous diseases. For non-past diseases, the reimbursement rate of many commercial medical insurances can reach 100%. In contrast, Linyi Bao's reimbursement is not very strong.