What is the reimbursement rate of Qilu Bao?

Under the guidance of Shandong Medical Insurance Bureau and Jinan Medical Insurance Bureau, Taiping Pension, a subsidiary of China Taiping Insurance Group, as the main insurer, and Taiping Life Insurance, Taiping Property Insurance and other 1 1 insurance companies jointly launched an inclusive supplementary medical insurance-Qilu Insurance, which was released in Jinan. Qilu Insurance, as a public welfare universal insurance product, has the advantages of low threshold, wide coverage, low premium, high coverage, complete coverage and many services. All insured persons of urban workers, urban and rural residents' medical insurance and provincial medical insurance in Jinan are eligible for insurance.

First, Qilu Bao has three shortcomings compared with Million Medical:

1, Qilu insurance coverage is low.

Qilu Bao only reimburses the expenses in the medical insurance catalogue, and the reimbursement ratio is 80%; Only when the out-of-pocket expenses exceed 80,000 yuan can you pay 100%. In other words, in addition to the deductible, there are still many expenses to pay for.

The protection of Baian Medical is much more comprehensive. The scope of reimbursement is not limited to social security, but also some value-added services that Qilu Bao does not have, such as advance payment, green channel, proton heavy ions and so on.

2. Qilu Bao has a high deductible.

Qilu Bao deductible20,000; The deductible for millions of medical care is usually 1 10,000.

3. Qilu stability is unknown.

Qilu guarantees one-year products, but does not guarantee long-term renewal. Although the warranty period of millions of medical insurance in the market is also one year, many products can be guaranteed to be renewed for 6 years, and some products even guarantee to be renewed for 15 and 20 years.

Second, Qilu Bao has two advantages over Million Healthcare:

1, low insurance threshold.

As long as there is local medical insurance, you can buy it regardless of age and occupation. In other words, Qilu Bao can be insured against diseases.

2. The premium is low.

The price of Qilu Bao is very cheap. Every year, as long as it is in 59 yuan, the price is the same for all ages.

Third, the scope of protection of Qilu newspaper

1. Hospitalization expenses in medical insurance co-ordination: If you are hospitalized due to illness, Qilu Bao 202 1 can reimburse 80% of hospitalization expenses in medical insurance co-ordination.

2. Medical insurance co-ordinates out-of-hospital drug expenses: for example, the self-funded part of Class B drugs, self-funded drugs, Qilu Bao 202 1 For the part that costs more than 20,000, 50% can still be reimbursed.

legal ground

People's Republic of China (PRC) social insurance law

Article 23

Employees should participate in the basic medical insurance for employees, and employers and employees should pay the basic medical insurance premiums in accordance with state regulations.

Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.

Article 28

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.