Is it necessary for Xu Hui to buy it?

It depends on the insurance demand. This product is more suitable for people with abnormal health or the elderly. For example, you can buy millions of medical insurance, and it is recommended to consider millions of medical insurance. Although its price is more expensive than that of Xu Hui, its protection scope is wider and more practical. There is no health notification requirement. Among all kinds of commercial insurance, medical insurance has the strictest requirements for the health of the insured, which makes it impossible for many people with abnormal health to buy it. Health insurance is not limited by health status, and it can be insured if you are sick. Its only requirement is to participate in the basic medical insurance in Xuzhou. There is no commercial medical insurance for age and occupation in the market, and there are requirements for the age and occupation of the insured. Most of the first insurance age is limited to 65 years old, which makes it impossible for the elderly to participate in insurance.

1. Xu Hui insurance has no age and occupation requirements. Centenarians and high-risk occupational groups can be insured. Can cover past diseases. Supplementary medical insurance in other places is very strict with previous diseases. Previous diseases were all high-incidence, and there were 7 kinds of previous diseases back to Bao Xu, but they were all rare diseases. The insured can compensate for medical expenses caused by agreed diseases such as hypertension, diabetes, myocardial infarction and cancer. If it can't be compensated. The repayment limit is low. This product can provide hospitalization/outpatient medical expenses within the social security scope, outpatient medical expenses within the medical insurance scope and outpatient medical expenses outside the medical insurance scope. Although the guarantee amount is sufficient, the highest annual reimbursement can reach 6.5438+0.5 million yuan, but the reimbursement ratio is low. The first two responsibilities can only be reimbursed 60%, and expenses other than medical insurance can only be reimbursed 50%. The reimbursement rate of Huimin medical insurance in other cities is generally around 70%-80%.

2. The reimbursement threshold is high. The deductible of millions of medical insurance in the market is only 1 000 yuan, and usually only ordinary medical insurance has deductible. The total deductible of this product is 40,000 yuan. The higher the deductible, the higher the claim threshold. Renewal does not guarantee that the insurance clause does not specify the renewal conditions of the product, nor does it clearly state that the product can guarantee renewal. Therefore, whether the product can be renewed next year may depend on the claims of the product. Practicality: Huimin insurance in different cities can only report the hospitalization expenses in the social security catalogue, or it does not guarantee the protection of special drugs. Xuzhou Xu Hui Insurance can reimburse hospitalization expenses inside and outside social security and 22 kinds of outpatient drugs. The scope of reimbursement is very wide. Actually, it is a very practical product.

3. The insurance threshold is as low as dust: there is no insurance for occupation, illness and age, but this is not the insurance that we really do for Huimin. We all have this characteristic. However, for some past diseases, insurance can be insured, but medical expenses will not be paid. It also makes patients very embarrassed (common cancer, hypertension, diabetes, cardiovascular and cerebrovascular diseases). But this kind of support has a certain medical history (7 diseases), and people have a certain insurance history. These seven diseases are not common serious diseases such as cancer, hypertension, diabetes, cardiovascular and cerebrovascular diseases. This policy is very beneficial to the people. This is the advantage. Cheap price: one year in 69 yuan. Neither children nor old people will be deceived. This price is also good.