Executive summary:On July 19, the city’s first urban customized commercial medical insurance “Tianjin Huimin Insurance” under the guidance and supervision of the government was officially opened for participation. The centralized insurance period is from July 19, 2022 to September 30, 2022. The premium is low, and the maximum coverage is 3 million yuan per year. Tianjin citizens can follow the “Tianjin Huimin Insurance” WeChat public account to apply for insurance online, or they can apply for insurance through consultation with the professional staff of 13 commercial insurance institutions in Tianjin in the first year.
Tianjin North Net News:On July 19, the city’s first urban customized commercial medical insurance “Tianjin Huimin Insurance” under the guidance and supervision of the government was officially opened for participation. The centralized insurance period is from July 19, 2022 to September 30, 2022. The premium is low, and the maximum coverage is 3 million yuan per year. Tianjin citizens can follow the “Tianjin Huimin Insurance” WeChat public account to apply for insurance online, or they can apply for insurance through consultation with the professional staff of 13 commercial insurance institutions in Tianjin in the first year.
Press or scan the QR code to follow the official account of “Tianjin Huimin Insurance” to apply for insurance immediately
Government guidance and supervision are trustworthy
Under the guidance of the Municipal Medical Insurance Bureau, the Municipal Financial Work Bureau, the Municipal Medical Insurance Research Association, and the Municipal Insurance Industry Association, and supervised by the Tianjin Banking and Insurance Regulatory Bureau, “Tianjin Huimin Insurance” is engaged in the development, design, sales, underwriting, claims and services of insurance products. The link actively accepts and cooperates with supervision, strengthens industry self-discipline, and ensures sustainable operation in accordance with laws and regulations. It is a commercial medical insurance product that people can trust and trust.
There is no threshold for insurance, the whole family can participate in the insurance
All insured persons of Tianjin Basic Medical Insurance can participate in the insurance. There is no age limit, no limit on medical history, no limit on household registration, and no limit on occupation. The applicable population covers a wide range of people, and basically the whole family can participate in the insurance. At the same time, “Tianjin Huimin Insurance” “can participate in insurance and pay compensation” for certain sick groups to ensure fair enjoyment of benefits for the people. (Please refer to the “Tianjin Huimin Insurance” official account for specific pre-existing conditions compensation rules)
Affordable premiums
“Tianjin Huimin Insurance” has an annual premium of more than 100 yuan, which is close to the people and has a uniform price. The post-insurance coverage period is from October 1, 2022 to September 30, 2023. At present, the medical insurance account payment is under development and will be opened in the near future. After the individual medical insurance account is opened, the Tianjin insured can use the balance of the employee medical insurance personal account to insure himself, his spouse, parents and children, so that one person can pay for the insurance for the whole family! (For details, please refer to the “Tianjin Huimin Insurance” public account)
The maximum insurance amount can be reimbursed both inside and outside the medical insurance catalogue of 3 million per year
“Tianjin Huimin Insurance” covers out-of-pocket expenses in medical insurance, out-of-pocket expenses for medical insurance, and specific high drug expenses incurred in hospitalization and outpatient treatment for special diseases. For people without pre-existing conditions, the reimbursement rate is 70%; for those with pre-existing conditions, the reimbursement rate is 30%. The maximum annual compensation limit for each insured person is 3 million yuan. At the same time, 36 kinds of out-of-hospital specific drug costs are included in the guarantee, and health services such as home care and mild disease consultation can also be provided to protect the health of the insured for 365 days.
Open the “quick compensation” channel, let the data run more and the masses run less errands
In the first year, it was jointly underwritten by 13 commercial insurance institutions in Tianjin, which were underwritten by the chief chief of PICC Property and Casualty Tianjin Branch and underwritten by the deputy chief of China Life Tianjin Branch. By connecting with the medical insurance information system, a fast channel for commercial insurance claims is built, and insured personnel can enjoy fast reimbursement services without submitting medical bills offline, allowing more data to travel, less errands for the masses, and more convenient services for insured people .
As the city’s first city-customized commercial medical insurance product guided by the government, “Tianjin Huimin Insurance” is an important part of enriching and improving the supply of commercial medical insurance products and services, and an important measure to promote the construction of a multi-level medical security system. Give each Tianjin medical insurance insured an extra guarantee, effectively alleviate the risk of medical expenses, and improve people’s livelihood! (Yuan Ye, editor of Jinyun News)