Professional, so that every family has peace
In the insurance industry, the claims adjusters have met a lot of clients: some of them are the breadwinners of their families, and they have collapsed due to accidentsSome are the flowers of the motherland, and suddenly they are seriously ill ......From this, we see the soft side of insurance under the hard terms, and see how insurance brings strength and courage to every family.
What I want to share with you today is a true story from Mr. Li, who wants to talk to you about the sudden changes.
Note: In order to protect personal privacy, the names of the characters in this story have been changed, and some information has been adjusted. ）
01 When you are most anxious and at a loss
I remembered ta
In March 2023, Mr. Li was admitted to the hospital with lymphoma**. When he learned that he was diagnosed, the first thing he thought of was ** fee, which is a question that can never be avoided. So I looked at the insurance I purchased for the first time, and fortunately, the Shenzhen exclusive medical insurance I purchased in my hand can apply for a claim.
Recalling that when he first purchased insurance, Mr. Li considered that Shenzhen's exclusive medical insurance could be purchased with the balance of the medical insurance account, and the pressure on his family would be relatively small, so he purchased it for himself and his family. Out of stereotypes about insurance, the family had some doubts about Mr. Li's behavior, but the amount of money spent was not very high, so there was no strong objection.
When Mr. Li was first diagnosed, he felt a trace of warmth, how wise his decision to buy this insurance was, and at the most critical moment, this insurance undoubtedly gave him the greatest support and confidence to accept the most reassuring situation.
In fact, for every patient, their greatest wish is to "want to reduce the burden on the family", and Mr. Li is the same. He thought that once he could make a successful claim, then he would be able to accept ** without any worries without dragging down his family's life.
02 The premium is equivalent to less than 1 yuan per day
Apply for compensation online with one click
Mr. Li has purchased a 6-year policy of Shenzhen exclusive medical insurance, which can be guaranteed for 6 years with 1998 yuan, which is equivalent to less than 1 yuan per day, and the year of insurance is the third year of his insurance.
When Mr. Li was discharged from the hospital and got the relevant information, he was ready to apply for a claim, because it was the first platform to participate in the insurance, he only needed to operate on his mobile phone and submit the corresponding information to the insurance company as required. So Mr. Li took photos with one click and uploaded various invoices, medical records, pathological results, examination results, ID cards and other materials, and waited patiently for the notification.
The whole insurance claim process is very convenient, after submitting the information online, the claim payment will be received smoothly after passing the review. When Mr. Li and his family saw the text message that the claim payment had arrived, a stone hanging in their hearts finally fell.
Some people say that insurance is a pit, but when I accidentally fell into the pit, it was insurance that pulled me out of the pit. ”
03 The insurance was compensated about 1.35 million
Send charcoal and warmth in the snow
During my hospitalization, the injection I used was a self-financed drug, which cost about 1.29 million yuan in total, which can be said to be the bulk of the medical expenses. "The total amount of Mr. Li's hospitalization medical expenses is about 1.4 million yuan, of which more than 50,000 yuan is reimbursed by medical insurance, and the remaining expenses are about 1.35 million yuan (including nearly 3,000 yuan in social insurance and about 1.34 million yuan in self-payment).
Fortunately, Shenzhen's exclusive medical insurance not only covers the expenses within the scope of medical insurance, but also covers the expenses outside the scope of medical insurance. Since the annual deductible of 10,000 yuan has been deducted from the social security inside and outside the policy year, the deductible will not be deducted for this claim, and Mr. Li will finally receive a compensation of about 1.35 million yuan.
For many families, the ** fee of 1.35 million is a very high cost, and it is undoubtedly a relief for ordinary families to be able to have the support of this claim payment.
Finally, I hope that everyone can buy the right insurance to protect themselves and their families. "In fact, it is the luckiest thing in the world to buy insurance and not need it.
You must know about Shenzhen Exclusive Medical Insurance:
Shenzhen Exclusive Medical Insurance: It is a "tailor-made" Huimin insurance for Shenzhen's basic medical insurance policyholders, which further supplements the self-paid medical insurance for individuals outside the medical insurance catalog.
01 Outside the medical insurance catalog:
Annual deductible of 10,000 yuan).
1.Reimbursement ratio: After Shenzhen medical insurance reimbursement, the remaining expenses will be paid at 100%;
2.Reimbursement scope: inpatient personal out-of-pocket expenses, out-of-pocket expenses incurred in outpatient emergency departments within 7 days before hospitalization and 30 days after discharge.
02 About medicines:
1.Reimbursement rate 100%;
2.Reimbursement scope: 17 kinds of original Shenzhen critical illness insurance special drugs (annual deductible of 10,000 yuan), 20 kinds of supplementary special drugs (annual deductible of 10,000 yuan).
03About Premium:
1.You can use the balance of your personal account for Shenzhen medical insurance to purchase for yourself and your immediate family.
1) If the accumulation amount of the personal account of the policyholder exceeds 5% of the average annual salary of the on-the-job employees in the city in the previous year, the part of the personal account that is not higher than 30% of the accumulated amount can be used to purchase exclusive medical insurance. After purchasing exclusive medical insurance products, the balance of their medical insurance personal accounts shall not be less than 5% of the average salary of on-the-job employees in the city in the previous year
2) In the same medical insurance year, the cumulative amount that can be used to purchase exclusive medical insurance in the same medical insurance personal account shall not exceed 12,000 yuan.
2.The premium per person for one year is 365 yuan, and the premium can be guaranteed to be renewed for the first time within 3 yearsThe six-year term is 1998 yuan per person (an average of 333 yuan per year), and one payment is insured for 6 years, which is equivalent to less than 1 yuan per day, and the insured can choose flexibly.