Attention
In 2024, the participation in "Shenzhen Huimin Insurance" has come to an end
The enrollment channel will be closed at 24 o'clock on June 30
Shenzhen basic medical insurance participants
There are only two days left to enroll
Citizens who are not yet insured
It can be purchased through the official designated insurance platform
"Shenzhen Huimin Insurance" WeChat public account online insurance
As an inclusive commercial supplementary medical insurance under the guidance and supervision of the government, "Shenzhen Huimin Insurance" is open to all basic medical insurance participants in Shenzhen, regardless of age, occupation, household registration, and health status, and covers a wide range of insured people. Up to now, the number of insured people has exceeded 5.8 million.
Have questions about how to make a claim, reimbursement, etc.?
Let's look down
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01
Do I still have to buy "Shenzhen Huimin Insurance" if I have basic medical insurance?
Basic medical insurance is a national welfare, which can be purchased by everyone, has a wide coverage, and has a huge role and value in covering the cost of disease treatment. However, the medical expenses of major illnesses are relatively high, ranging from 200,000 yuan to millions of yuan, and at this time, basic medical insurance alone may not be able to fully cover them.
It is worth noting that the coverage of "Shenzhen Huimin Insurance" covers the expenses inside and outside the medical insurance catalog, and when the insured suffers from a serious illness, after the medical insurance is settled according to the reimbursement ratio, there is often a fee outside the medical insurance catalog that needs to be paid for by themselves. And "Shenzhen Huimin Insurance" fills this gap and helps solve this part of the cost, simply put, "the medical insurance can continue to be reported after the medical insurance, and if the medical insurance is not reported, the part that exceeds the deductible can also be reimbursed proportionally".
02
I bought it last year and didn't use it, is it necessary to buy it this time?
It is necessary that the essence of insurance is the early avoidance and transfer of future risks.
In modern society, due to the fast-paced lifestyle and work pressure, health problems have increasingly become the focus of people's attention, such as fatty liver, high blood pressure, nodules and other diseases are becoming more common, and the incidence of malignant tumors is also rising.
"Shenzhen Huimin Insurance" is 88 yuan a year, and it can also be paid with the balance of the medical insurance account, which can help us save a lot of money when we encounter a serious illness, which is cost-effective and affordable, which can be said to be "spending a little money and doing a big thing".
03
If my medical expenses do not exceed the deductible this time
"Shenzhen Huimin Insurance" can't make a claim?
Not necessarily, the deductible of "Shenzhen Huimin Insurance" is the amount accumulated within a year of coverage, and it is not necessary to exceed the deductible for each reimbursable expense to be paid. In addition, in 2024, the "Shenzhen Huimin Insurance" will be upgraded to seven treatment guarantees, of which different deductibles are set for treatment 1 to 6, and as long as the single liability reaches the deductible, it can be paid proportionally.
04
Sick and hospitalized while traveling to other places
Can "Shenzhen Huimin Insurance" make a claim?
If you seek medical treatment in a designated medical institution in Guangdong Province, the hospital will directly settle the expenses within the scope of "Shenzhen Huimin Insurance". If you do not meet the conditions of one-stop settlement, please first go through Shenzhen medical insurance reimbursement, and then submit an application on the official account of "Shenzhen Huimin Insurance", and pass the sporadic reimbursement review for quick compensation.
In the one-stop settlement, the "large fund payment" in the expense settlement list is "Shenzhen Huimin Insurance"
05
I have a pre-existing condition, can I participate in "Shenzhen Huimin Insurance"?
OK. Regardless of health status, as long as you participate in and pay Shenzhen medical insurance normally, you can participate in "Shenzhen Huimin Insurance", and the compensation ratio is the same as that of healthy people.
Again, a reminder
In 2024, there are only 2 days left before the end of the insurance participation
The enrollment channel will close on time on June 30, 2024
The unification of safeguards will take effect at 0:00 on July 1, 2024
The coverage period is one year
The general public can follow the official platform
"Shenzhen Huimin Insurance" WeChat public account insurance
Or search for "Shenzhen Huimin Insurance" on Alipay
meantime
Shenzhen basic medical insurance participants
You can use the balance of your medical insurance account to enroll yourself and your family
Enhance the family's resilience to risks
Source: Shenzhen Huimin Insurance
Editor-in-charge: Longgang Financial Media (Editor: Cheng Jiaxin)
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