How to insure Beijing Jinghuibao?

1. Search for the official account of "Beijing Jinghuibao" WeChat, click on the homepage of the official account of WeChat, and handle the insurance payment business in the menu bar at the bottom, or directly handle the insurance payment business for family members. There is no special service personnel, and there is no special service for subsequent claims. It is strongly recommended that you choose this channel for insurance.

2. Directly seek insurance from insurance company professionals.

3. The annual premium is 79 yuan/person, with a maximum guarantee of 2 million. Hospitalization medical expenses: the annual cumulative deductible is 20,000 yuan. If the expenses above the deductible meet the payment conditions, they shall be paid according to the proportion of 100%, and the maximum compensation amount is 1 10,000 yuan.

Reimbursement process:

1. Apply for reimbursement online and submit reimbursement documents and ID cards. Online reimbursement is applied in the official account of Jinghuibao WeChat. There is a service center at the bottom. Click on the claim form and fill it out as required. Be careful when uploading photos.

2. It is an offline application for reimbursement. Offline reimbursement is to directly bring relevant claims data to "AXA Tian Ping Property Co., Ltd. Beijing Branch" for claims, and pre-existing diseases can also be reimbursed after hospitalization.

What claims will not be settled:

1, hospitalization expenses other than social security are not compensated: Beijing Jinghuibao only covers hospitalization expenses in the social security catalogue, and does not provide hospitalization expenses outside the social security catalogue. This must be paid attention to.

2. Reimbursement only for the expenses of designated hospitals: This product clearly states that after hospitalization, you can only see a doctor in a designated hospital (referring to a public hospital above the second level), and private hospitals do not compensate.

3. No social security reimbursement and no compensation: Beijing Jinghuibao is a supplementary medical insurance based on Beijing medical insurance. In case of illness, it must be medical insurance reimbursement. If it is paid through Jinghuibao and not reimbursed by local medical insurance, Jinghuibao cannot reimburse medical expenses.

4. No compensation for past diseases: Although this product can be insured for past diseases, it does not compensate for medical expenses of five past internal diseases and some expensive drugs, including malignant tumors, liver and kidney diseases, cardiovascular and cerebrovascular diseases, glucose and lipid metabolism diseases, lung diseases and other diseases (systemic lupus erythematosus, paralysis, aplastic anemia, vegetative state, HIV infection, major organ transplantation) and so on.

5. Policy exemption: Policy exemption refers to the places where the insurance company explicitly does not pay, such as fighting, mental illness, pregnancy, AIDS, drunkenness, high-risk sports, war and so on.

Suggestion: the company should provide itself with social insurance and commercial insurance at the same time, and guarantee it in many ways. Such as old-age care, serious illness, accidents, etc. If you still don't understand, please consult a professional. One more insurance, one more guarantee.