Purchase conditions of Zhaofubao

Zhaofubao is Zhaoqing's exclusive Huimin medical insurance product, so all basic medical insurance (including urban workers' basic medical insurance and urban and rural residents' basic medical insurance) can be insured, which is the only insurance condition that Zhaofubao must meet.

Zhaofubao has no restrictions on the age, occupation and household registration of the insured, and there is no health requirement. You don't need to tell your health status before you take out insurance, just take out insurance with illness. Most importantly, the first and second reimbursement of this product for hospitalization/specific outpatient service can compensate for past diseases, but the reimbursement ratio of patients with four specific past diseases will be reduced.

Zhao related knowledge supplement:

1. Is Zhaofubao reliable?

1. In terms of guarantee content:

Zhaofubao is a supplementary medical insurance plan, covering hospitalization expenses/special outpatient service+15 kinds of drugs for malignant tumors outside the hospital and 6 kinds of drugs for rare diseases. In terms of the content of protection, there is no lack of protection compared with other Huimin insurance. In addition, this product can be reimbursed except for anticancer drugs and rare drugs, and it has strong public welfare. In theory, there is no need to question the reliability of Zhaofubao.

2. In terms of insurance and claims:

Huimin insurance, 1 annual 1 annual insurance, is the best if medical insurance participates in insurance and claims settlement at the same time. For example, the form of insurance can be "medical insurance card personal insurance", and claims can be solved in one stop like local medical insurance. Hospitalization expenses are reimbursed synchronously after medical insurance reimbursement, and you can leave the hospital only by paying the expenses that you should bear. It is the best appearance of Huimin insurance. After all, it can indirectly improve the renewal stability of Huimin insurance.

Zhaofubao can not only be insured with a medical insurance card, but also can make one-stop claims, which is convenient and fast, and involves medical insurance, and the reliability of Zhaofubao is clear at a glance;

3. From the support side:

This product is sponsored by the Municipal Medical Insurance Bureau and guided by Zhaoqing Banking Insurance Bureau. Relatively speaking, without government support and guidance, it will be much better than similar products.

Second, what about Zhao?

In addition to the medical insurance catalogue, this product is not low in the hospitalization expenses of 40,000 yuan, but it has market differentiation compared with similar products in terms of reimbursement ratio, exemption and coverage of out-of-hospital specific drugs and rare specific drugs. Coupled with this kind of inclusive medical insurance, medical insurance can be paid or settled in one stop, which can save the trouble of the insured paying in advance and applying for reimbursement from the insured insurance company. For those who are very old, in poor health and have bought commercial medical insurance,