What's wrong with Qilu Baobao?

First, the inpatient and outpatient chronic disease protection

After Qilu Insurance is reimbursed by medical insurance, the remaining individuals will pay 80% of the expenses within the scope of medical insurance after deducting the deductible of 20,000 yuan. After reimbursement by medical insurance and Qilu insurance, if the expenses of the remaining individuals within the scope of out-of-pocket medical insurance still exceed 80,000 yuan, the second payment can be made, and the proportion of payment can be increased to 100%. The maximum compensation is 6.5438+0.5 million yuan.

Second, the safety of new special drugs

Qilu Insurance underwrites 15 new special drugs for treating high-incidence tumors and other diseases (such as small cell lung cancer, gastric cancer, liver cancer, breast cancer, chronic myeloid leukemia, etc.). ) Out of the scope of medical insurance, 0 deductible, 80% compensation, the highest compensation 1 10,000 yuan.

Main advantages:

1, cheap: 59 yuan/year/person, the cost of an afternoon tea can incite 2.5 million yuan of medical security;

2. Less requirements for past diseases: a certain degree of disease insurance is supported, but five past diseases, such as malignant tumor, liver and kidney diseases, cardiovascular and cerebrovascular diseases, lung diseases and other diseases (systemic lupus erythematosus, paralysis), do not bear medical expenses, and the past diseases are less than Changsha Xinghui insurance, and Xinghui maintains 8 categories;

3. The deductible is relatively low: compared with similar products, there is a deductible of 40,000 yuan, while East Qilu Insurance only has a hospitalization of 20,000 yuan in the social security catalogue, and other specific drugs are not deductible;

4. Loose insurance: As long as there is vivid medical insurance, you can buy it regardless of occupation, household registration and age.

Main disadvantages:

Since it is to analyze the advantages and disadvantages of Shandong Qilu newspaper, we should also know the details of the short board, as follows:

1, hospitalization without social security: Compared with similar products, Shandong Qilu Insurance does not cover hospitalization expenses other than social security, and is limited to hospitalization in the social security catalogue, which actually has great limitations in reimbursement. After all, many self-funded drugs have small side effects, quick recovery and relatively expensive prices. If patients are allowed to pay at their own expense, it means that practicality is reduced.

Second, is Shandong Qilu newspaper reliable?

(1) From the perspective of guidance and supervision: Shandong Medical Insurance Bureau+Jinan Medical Insurance Bureau+Shandong China Banking and Insurance Regulatory Commission, these three bosses are all provincial and municipal government departments, so don't worry about the reliability of Shandong Qilu Insurance;

(2) From the guarantee content: this product is a low-cost million medical insurance, but it does not guarantee hospitalization outside social security, but it is of a public welfare nature. If you are in good health, it is definitely better to choose millions of medical insurance, but people who are old and have diseases can consider Shandong Qilu insurance. 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.