Xianning produced a kind of salt-protected big leaf tea. Is there a grandfather with welfare protection?

It is also not recommended to buy.

Why not recommend buying Huimin insurance?

Although Huimin Baozhen has just opened the vast majority of ordinary people's correct understanding of health insurance risks, it is precisely because it is a new product, a commercial supplementary medical insurance, and a win-win attempt for the government, insurance companies and ordinary people to assist in the construction of social security and medical insurance.

However, due to its inherent "congenital deficiency", there will be some hidden dangers in the long-term development. The reasons for not recommending the purchase are:

1. Unreasonable pricing:

Huimin insurance in various places basically adopts the way of "the same price for all ages", but in depth, the risk of the elderly participating in insurance is greater than that of the young 100%, and the young people have to bear more risks than themselves. Relatively speaking, the elderly or the elderly enjoy the premium cost to resist their own risks, and the pricing is unreasonable, which is one of the reasons why it is not recommended to buy Huimin insurance;

2. The claim threshold is quite high:

The essence of Huimin insurance is to benefit the people more. Although this kind of urban supplementary medical insurance has a common feature that the underwriting threshold is particularly easy, as far as most mainstream products are concerned, serious illness will undoubtedly involve the hospitalization expenses inside and outside the medical insurance catalogue, the specific outpatient service and the protection of postoperative anticancer drugs. However, most products do not pay 20,000 yuan per account. In other words, it is necessary to pay more than 60,000 yuan at your own expense to involve Huimin insurance. That is to say, roughly, after social security reimbursement, the self-funded 60 thousand yuan, then the overall medical expenses must be several hundred thousand yuan, the threshold is quite high, more practical;

3. The reimbursement rate is relatively low:

If you have a serious illness, millions of medical insurance on the market can be reimbursed and settled 100% after social security, while Huimin insurance is usually not available. Generally, you are hospitalized outside the medical insurance catalogue. For this most expensive project, most products are reimbursed 50%-80%, and the treatment fee you get is very small, which cannot reflect the practical value of the products;

4, the unity of safety responsibility:

It is a common phenomenon to mention why it is not recommended to buy Huimin insurance. The diagnosis and treatment items of mainstream products generally include: hospitalization in the medical insurance catalogue, hospitalization outside the medical insurance catalogue, and specific drug protection.

Too many products are not hospitalized outside the medical insurance catalogue, or are not covered by specific drugs. In addition to comprehensive core protection, individual products have also expanded CAR-T medical care and proton heavy ion medical care, which are not uniform everywhere. Because the insured does not understand insurance knowledge, it is easy to buy inappropriate products.

5. The stability of the update is uncertain:

The longest renewal period of commercial medical insurance in the market is 20 years, which is long enough; Moreover, the national medical insurance, as long as you pay the money every year, can ensure that you have been renewed and guaranteed for life, which is very reliable.

However, Huimin insurance products are relatively new products. Without the blessing of the local government, it is easy to cause the products to die in the second year. However, if the insured suffers from a serious illness in the first year, Huimin insurance will be gone in the second year, and the commercial million medical insurance has strict requirements on people's health, so this group of people is at great risk.

Inconsistent guarantee responsibilities, coupled with high compensation limits and poor product practicability, will lead to a vicious situation and disrupt the normal continuation of the market. The above reasons are not recommended to buy Huimin insurance, but the essential ideal of Huimin insurance is good. If the renewal is more reliable in stability, supported by local government, complete in core guarantee, lower in claim threshold and higher in reimbursement ratio, even if the cost is increased, it will go further.