In today's fast-paced life.
Protect yourself and your family's health become.
One of the topics we care about the most.
Recently, the heart-warming deeds of "Healthy Buddha Medical Insurance".
After receiving the ** report, the good voice continued at the same time.
Some members of the public also raised questions.
Can I be covered for a serious illness?”
Can I also report for medical treatment in other places?”
Do you need to buy it because you are old?”
In order to better respond to and answer the questions of the public, Foshan News Media Center's professional insurance radio program "Family One Insurance" has launched three episodes of "Health and Buddha Medical Insurance" interpretation program, each issue will invite professional celebrities in the industry and representatives of co-insurance bodies to launch the program to understand the protection function behind the claim data, and listen to the voice of the people to solve the people's worries from a professional perspective and in combination with the actual situation.
We invited for the first issue.
Representatives of industry experts shared online.
Take the claims data of this period as the starting point.
In-depth analysis of the claim settlement effect of "Healthy Buddha Medical Insurance".
Mainly from the following aspects to answer the masses and solve doubts.
Inaugural review. In this issue, Huang Li, a professor at the School of Economics and Management of Foshan University of Science and Technology, was invited to analyze the protection function behind the claim data, and mainly mentioned the following points in the interview:
Q1: What is the level of loss ratio in this data?
Generally speaking, it is a relatively high level of loss. In 2022, about 200 cities across the country will launch Huimin Insurance, and the loss ratio of Huimin Insurance is about 70% to 90%.
Among them, Professor Huang also listed the loss ratio of some Huimin Insurance in 2022:
Suisuikang's loss ratio is 8985%
The average loss ratio of Shandong Province is 8576%
As of November 8 this year, the loss rate of "Healthy Buddha Medical Insurance" is close to 9 percent, which reflects the "full insurance and full compensation" from the side, so that every insured person can be protected.
Q2: What are the security advantages?
According to statistics, as of November 8 this year, the loss ratio has been close to 9 percent, from the analysis of protection liability, Professor Huang mainly introduced from the following 7 aspects:
Low premiums. At the same time, the list of self-financed drugs for malignant tumors, major diseases, and rare diseases will be included in the insurance.
Overseas Specialty Drug Coverage.
Increase the non-claim preferential treatment for continuously insured persons.
Increase the compensation for high medical expenses of individuals in general outpatient clinics.
Increase the compensation and reimbursement of medical expenses borne by individuals within the scope of the medical insurance catalogue for remote medical treatment.
Increase the compensation of personal out-of-pocket expenses outside the scope of the medical insurance catalogue for self-treatment in other places.
Q3: Is there accurate coverage for common critical diseases?
According to Professor Huang's analysis, the list of self-financed drugs for malignant tumors has been added, and major diseases and rare diseases have been included in the insurance, taking the lead in adding 28 major diseases and 121 rare diseases insurance liabilities in the country. In addition to the oncology drugs within the scope of the free choice of the national negotiation catalogue, 25 special drugs with high regional incidence and special needs of the masses have been added.
Q4: Is it necessary for young people to buy it?
I'm too young to use it."
Isn't this disease only developed when you are old?”
Is this the case?Let's see what the experts have to say:
The "Health Insurance" is positioned to cover the high medical expenses that all age groups may face.
When it comes to high and huge medical expenses, the risk for the elderly is not necessarily greater than that of the young. For example, medical expenses due to a major accident may be higher for young people than for older peopleRare diseases are genetic;There are also many geriatric diseases at a young age, and so on.
Therefore, Professor Huang reminded everyone that young people should also take precautions against major medical expenses, especially young people are often the main labor force of the family, and the coverage and amount of basic medical insurance are relatively limited.
I would like to know more about the claim results of "Healthy Buddha Medical Insurance".
You can scan the *** below
Subscribe to the "Family One Protection" radio program.
Listen to the sharing of professional experts at any time.
In order to further expand the coverage of "Healthy Buddha Medical Insurance".
This time, we broke the routine and integrated new online methods.
So that the public can.
Listen to the "professional" and "learn" practical.
More about Hot Questions.
See you in the next issue.