How about Dalian Gong Hui Insurance?

Dalian industrial welfare insurance is better.

1, products similar to Dalian Gonghuibao have precedents in nearly 50 other cities. Therefore, Dalian Gonghuibao absorbed the essence of other similar products. The product is cheap and supports a certain medical history.

2. Only four types of people with past medical history cannot be insured. The insurance threshold is a bit high, except for some people with serious medical history, but it is still good overall.

1) "Dalian Gonghuibao" is an inclusive commercial supplementary medical insurance specially tailored for Dalian people under the guidance of Dalian Federation of Trade Unions. Linked to Dalian basic medical insurance. Participants in Dalian's basic medical insurance, regardless of age and occupation, can participate in the insurance, regardless of employees or residents, except for patients with four serious diseases in the past. With the annual premium of 85 yuan, you can enjoy up to 4 million yuan of supplementary medical insurance and many special health services. "Work welfare insurance" is not limited to age, ranging from the elderly over 100 to newborns. Unlimited occupation. Civil servants, enterprise employees, retirees, freelancers and students do not need physical examination. Suitable for the whole family to participate in insurance.

2) Dalian Gong Hui security: This product is all-inclusive. It integrates many highlights of similar products and becomes three models. Provide the following forms: social security: social security: hospitalization+social security catalogue 57 kinds of self-funded drugs; Outside social security: hospitalization fee outside social security catalogue+self-paid medicine outside social security catalogue 15 yuan; Internal+external social security: it is the combination of Scheme I+Scheme II. The price from low to high is the full guarantee of this product, and you can choose freely. Scheme 3 can be reimbursed for social security hospitalization+self-funded drugs+social security special drugs. Although the price is a little high, it is perfect and belongs to the best of its kind. Super practical. Gao payout ratio: Many similar products are 70% or 75% in payout ratio. The payout ratio of this product is as high as 80%.

3) The main disadvantage of Dalian Industrial Insurance: the insurance threshold is relatively high: according to the contract, four types of diseases are not allowed to be insured first and then insured. Even if it is not paid, other similar products can be insured even for seriously ill patients, but it will not pay for the medical expenses caused by previous diseases. The deductible line is relatively high: the deductible line of Scheme III is 40,000 yuan (social security 20,000+social security 20,000), that is, the medical expenses after reimbursement of local medical insurance in Liaoning exceed 60,000-80,000 yuan, so Bao Hui, a Dalian employee, can be used to reach the claim line.