Recently, everyone is familiar with the Pacific Blue Medical Insurance medical insurance series, and there is another hospitalization medical insurance that has attracted everyone's attention, that is, Blue Medical Insurance Hospitalization Medical Insurance (tax-advantaged health insurance). This inpatient medical insurance combines protection and tax savings, with a 3-year guaranteed renewal and an option with 0 deductibles, so there is also suitable protection for people with pre-existing conditions. What does Blue Medical Insurance inpatient medical insurance cover? Is 0 deductible worth buying?
1. What does Blue Medical Insurance inpatient medical insurance cover?
Blue Medical Insurance Hospitalization Medical Insurance covers the following items:
Blue Medical Insurance Hospitalization Medical Insurance can be covered from 30 days of birth to 60 years old, covering occupations 1-4, with a coverage period of 1 year and guaranteed renewal for 3 years.
Blue Medical Insurance Inpatient Medical Insurance is mainly divided into two versions:
(1) Million Edition
The million version is mainly aimed at people in good health, and it is a million medical insurance with comprehensive responsibilities, with 4 main protections: general hospitalization + critical illness hospitalization + proton and heavy ion medical treatment + 130 kinds of special drug protection. 100% reimbursement, not limited to medical insurance reimbursement coverage. You can choose 0 deductible or 5000 yuan deductible.
(2) Caring version
Within the scope of medical insurance, the maximum reimbursement for pre-existing conditions is 50,000 yuan, 10,000 deductibles, and 35% reimbursement.
2. Is it worth buying Blue Medical Insurance Hospitalization Medical Insurance 0 deductible?
We just learned that the million version of Blue Medical Insurance Inpatient Medical Insurance is so well protected, so is it worth buying the 0 deductible value of the million version of Blue Medical Insurance Inpatient Medical Insurance?
We all know that the deductible of 10,000 yuan of million medical insurance is to reduce the probability of claims and stabilize the insurance rate, but for many friends, the demand for ordinary small hospitalization medical expenses is also very large. For general medical care, if you choose 0 deductible, then the hospitalization fee is 0-10,000 yuan, and the compensation ratio is 50%; 100% of the compensation for the part exceeding 10,000 yuan. If you choose a 5,000 yuan deductible, then the compensation ratio is 100%, which can be selected according to your needs.
For critical illness hospitalization + proton and heavy ion medical treatment + 130 kinds of special drug protection, Blue Medical Insurance Hospitalization Medical Insurance is directly 0 deductible, which is very friendly.
3. Summary
In general, the blue medical insurance hospitalization medical insurance is comprehensive, with 3-year guaranteed renewal, tax deductions, and 0 deductible liability is also very practical, and there is also suitable protection for people with pre-existing conditions, which is worth choosing.