What does everyone's health insurance specifically include?

According to China People's Insurance Company official website's "Home"-"Health Insurance"-"One Million Medical and Health Insurance for Everyone", we can know that this product can be insured for 0 to 60 years old (inclusive), and it can only be renewed after 60 years old. If you are 0 years old at the time of insurance, it should be a baby who was born 28 days ago and has been discharged from hospital healthily. Note that everyone's health insurance does not accept disease insurance, and the diseases and symptoms that existed before the insurance are not covered. The insurance coverage period is 1 year, which is divided into basic version and upgraded version.

Basic version: the coverage of general medical insurance is 6.5438+0.000 yuan, the annual deductible is 6.5438+0.000 yuan, and the coverage of medical insurance after diagnosis of malignant tumor is 6.5438+0.000 yuan.

Upgraded version: the general medical insurance coverage is 2 million yuan, the annual deductible is 6.5438+0 million yuan, and the medical insurance coverage after the diagnosis of malignant tumor is 2 million yuan.

General medical insurance includes hospitalization expenses, special outpatient medical expenses, outpatient surgery expenses, outpatient and emergency medical expenses within 7 days before hospitalization (including the day of hospitalization) and 30 days after discharge (including the day of discharge).

The medical insurance for malignant tumor includes the hospitalization expenses for malignant tumor within 7 days before hospitalization (including the day of hospitalization) and within 30 days after discharge (including the day of discharge), the special outpatient medical expenses for malignant tumor, the outpatient surgical expenses for malignant tumor and the emergency medical expenses for malignant tumor.

The compensation obtained through social medical insurance and public medical insurance cannot be used to deduct the deductible, but the compensation for medical expenses obtained through other channels can be used to deduct the deductible. For example, the amount reimbursed through supplementary medical insurance for employees of enterprises can be used to deduct the deductible.

The protected area of the two is Chinese mainland, excluding Hong Kong, Macao and Taiwan. Both of them cover special needs outpatient service and outpatient surgery, and both of them are general departments of public hospitals above the second level. The compensation ratio of the two is 100%.

General medical insurance includes hospitalization expenses, special outpatient medical expenses, outpatient surgery expenses, outpatient and emergency medical expenses within 7 days before hospitalization (including the day of hospitalization) and 30 days after discharge (including the day of discharge).

The medical insurance for malignant tumor includes the hospitalization expenses for malignant tumor within 7 days before hospitalization (including the day of hospitalization) and within 30 days after discharge (including the day of discharge), the special outpatient medical expenses for malignant tumor, the outpatient surgical expenses for malignant tumor and the emergency medical expenses for malignant tumor.

The compensation obtained through social medical insurance and public medical insurance cannot be used to deduct the deductible, but the compensation for medical expenses obtained through other channels can be used to deduct the deductible. For example, the amount reimbursed through supplementary medical insurance for employees of enterprises can be used to deduct the deductible.

The coverage area of basic and upgrade insurance is Chinese mainland, excluding Hong Kong, Macao and Taiwan; Both of them cover special outpatient service and outpatient operation; The scope of the two hospitals is the general department of public hospitals above the second level; The compensation ratio of the two is 100%.