What kind of insurance is Bao Hui?

Liaohuibao is an inclusive commercial supplementary medical insurance, which is jointly underwritten by many insurance companies such as PICC P&C Insurance in China, Pacific P&C Insurance, Taishan P&C Insurance, Yangguan P&C Insurance, ICBC AXA Life Insurance and Yongan P&C Insurance. Liaocheng basic medical insurance participants (including urban workers and urban and rural residents) can participate in the insurance.

1. The coverage of Liaohuibao mainly includes out-of-pocket medical expenses for hospitalization, 25 specific high-priced drugs and 8 drugs with special curative effects.

I. Talking about Bao Hui

1. Liaohuibao is an urban customized commercial supplementary medical insurance under the guidance of Liaocheng Medical Insurance Bureau and supervised by Liaocheng Supervision Branch of Bank of China Insurance Regulatory Commission. It was officially released on 2021115.

2. "Liao Huibao" is closely linked to the basic medical insurance. You only need 89 yuan/person a year, and you can get medical insurance with a maximum coverage of 2.3 million yuan. "Liaohuibao" is jointly underwritten by China People's Property Insurance Co., Ltd. Liaocheng Branch and other 10 insurance companies, and Yiduyun provides the main operating platform.

II. Introduction to Insurance

In March, 2020, the Central Committee and the State Council issued the Opinions on Deepening the Reform of Medical Security System, putting forward the requirements of "accelerating the development of commercial health insurance and promoting the development of multi-level medical security system". "Liao Huibao" is specially customized for Liaocheng medical insurance participants according to the requirements of policy formulation. As an inclusive commercial supplementary medical insurance, "Liaohuibao" aims to meet the diverse medical security needs of the people, further improve the ability of the majority of Liaocheng medical insurance participants to cope with the high burden of medical expenses, and effectively prevent the people from becoming poor due to illness. It is an important part of Liaocheng multi-level medical security system.

Third, the content of protection.

1, "Liaohuibao" only needs 89 yuan/person a year, less than 25 cents a day, and the maximum insured amount is as high as 2.3 million yuan. The protection plan is closely related to the basic medical insurance and is divided into three parts:

2. Hospitalization expenses in the medical insurance catalogue (paid by the individual): under the condition of meeting the compensation standard, the operation expenses, treatment expenses and examination expenses are all within the scope of protection, and the annual payment line is 20,000 yuan, and the compensation ratio is 80% (30% for specific past diseases), with the maximum insured amount of 6,543,800 yuan.

3.25 kinds of specific high-priced drugs: covering lung cancer, liver cancer, gastric cancer, breast cancer and other high-risk cancers, the annual deductible is 20,000 yuan, the compensation ratio is 80% (no compensation for specific past diseases), and the maximum insured amount is 6,543.8+0,000 yuan.

4.8 expenses for drugs with special curative effects: the annual deductible is 20,000 yuan, the compensation ratio is 60% (not limited to previous diseases), and the maximum insured amount is 300,000 yuan.