The difference between Jinghuibao and Universal Bao Hui

Jinghuibao and Pratt & Whitney have some differences in the coverage content, the proportion of compensation, the insured population, the agreement of specific patients, the underwriting company and the price.

1, the upgraded version is different: Jinghuibao's version only reaches Jinghuibao 202 1, while Pratt & Whitney's latest version is 2023.

2. Different coverage: Jinghuibao's coverage mainly includes hospitalization expenses and specific drug expenses in medical insurance, while Pratt & Whitney's coverage plan includes responsibilities in medical insurance (self-pay one and self-pay two), responsibilities outside medical insurance (self-pay) and responsibilities for special drugs, covering more medical expenses.

3. Different compensation ratio: Jinghuibao's compensation ratio is relatively simple, which is divided into 20,000, 1.000%, and the highest is 1 10,000; The medical expenses for hospitalization outside the medical insurance are 20,000 yuan, with 50% of the expenses paid, with a maximum of 1 10,000 yuan; 0 yuan is exempted from the compensation for specific drugs, and 90% of the expenses are paid, with a maximum of 654.38+0 million. However, the payment ratio of universal insurance varies according to different responsibilities and specific past diseases.

4. Different insured people: Jinghuibao's insured people are basic medical care in Beijing, including urban workers, urban and rural residents, serious illness medical care for urban workers and serious illness medical insurance for urban and rural residents. The insured population of Pratt & Whitney Health Insurance is the insured population of Beijing basic medical insurance (including employee medical insurance and resident medical insurance), the specific population managed by relevant government departments such as Beijing Medical Security Bureau, the insured population of the central government at public expense, and the new citizens of Beijing who have Beijing household registration or Beijing residence permit and have participated in basic medical insurance in different places.

5. There are different agreements for the specific population with past diseases: Jinghuibao will not compensate the specific population with past diseases, but if the user who renewed the insurance suffered from past diseases for the first time in the previous year, he can make compensation after the successful renewal in the second year. National health insurance can compensate for past diseases, but the proportion of compensation varies according to different responsibilities.

6. Different underwriting companies: Puhuibao is jointly underwritten by PICC P&C Insurance, China Life Insurance, Taibao Life Insurance, Ping An Property Insurance and Taikang Pension. Jinghui Insurance is underwritten by Beijing Life Insurance and AXA Tian Ping Property Insurance.

7. Price difference: Pratt & Whitney's price is obviously much more expensive than Jinghui's, with a difference of 1 16 yuan/year.