涨“资”识 | “资惠保”提供哪些保障？一文讲明白！
<!----><style type="text/css">html{font-size:375%}</style><link href="https://pic.app.jiuquhe.com/static/publish/css/style.css?v=1605251010499" rel="stylesheet" position="1" data-qf-origin="/static/publish/css/style.css?v=1605251010499"><!-- 付费贴--> <div class="preview_article "> <!----> <div id="jsWxContainer" class="wx_rich_media_content"><section style="line-height: 1.6;"><section style="font-size: 15px; letter-spacing: 1px; text-align: center; line-height: 0;"><section style="vertical-align: middle; display: inline-block; line-height: 0;"><div style="text-align: center;"><img src="https://pic.bbs.jiuquhe.com/forum/202305/10/110933lro2y2yerpe7aa87.gif" /></div></section></section><p style="font-size: 15px; letter-spacing: 1px;"> </p><section style="font-size: 15px; letter-spacing: 1.5px; text-align: center; color: #141414; line-height: 2;"><p>了解过“资惠保”的朋友们都知道</p><p>“资惠保”每年仅需59元</p><p>最高可获得200万元保障</p><p><strong><span style="color: #971616;"> 但是这200万的保障到底都保啥呢？</span></strong></p></section><section style="font-size: 15px; letter-spacing: 1px; text-align: center; margin-top: 10px; margin-bottom: 10px; line-height: 0; transform: translate3d(5px, 0px, 0px);"><div style="text-align: center;"><img src="https://pic.bbs.jiuquhe.com/forum/202305/10/112556yzosvopnsvop0joy.png" /></div></section><section style="font-size: 15px; letter-spacing: 1.5px; text-align: center; color: #141414; line-height: 2;"><p>别急，我们这就来为您解答！</p></section><p style="font-size: 15px; letter-spacing: 1px;"> </p><section style="font-size: 15px; letter-spacing: 1px; display: flex; width: 100%; flex-flow: column nowrap;"><section style="z-index: 1;"><section style="text-align: center; justify-content: center; display: flex; flex-flow: row nowrap; margin-bottom: -30px;"><section style="display: inline-block; width: auto; vertical-align: top; align-self: flex-start; flex: 0 0 auto; min-width: 5%; height: auto;"><section style="display: flex; width: 100%; flex-flow: column nowrap;"><section style="z-index: 1; transform: perspective(0px); transform-style: flat;"><section style="justify-content: center; display: flex; flex-flow: row nowrap; transform: translate3d(4px, 0px, 0px) rotateX(180deg); margin-bottom: -2px;"><section style="display: inline-block; vertical-align: top; width: 50%; align-self: flex-start; flex: 0 0 auto;"><section><section style="display: inline-block; width: 10px; height: 14px; vertical-align: top; overflow: hidden; background-color: #5b5b5b; border: 2px solid #ffffff;"><section style="text-align: justify;"><p> </p></section></section></section></section><section style="display: inline-block; vertical-align: top; width: 50%;"><section><section style="display: inline-block; width: 10px; height: 14px; vertical-align: top; overflow: hidden; background-color: #5b5b5b; border: 2px solid #ffffff;"><section style="text-align: justify;"><p> </p></section></section></section></section></section></section></section><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap;"><section style="display: inline-block; width: 100%; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: #d14033;"><section style="text-align: center; justify-content: center; display: flex; flex-flow: row nowrap; margin-top: -4px; margin-bottom: 5px; transform: translate3d(5px, 0px, 0px);"><section style="display: inline-block; width: 100%; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: #d04033; padding: 10px 10px 10px 15px; box-shadow: #ffffff -2px 2px 0px;"><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap;"><section style="display: inline-block; width: auto; vertical-align: middle; align-self: center; flex: 0 0 auto; min-width: 5%; height: auto;"><section style="text-align: justify; color: #ffffff; font-size: 17px;"><p><strong>“资惠保”保障责任都有哪些？</strong></p></section></section></section></section></section></section></section></section></section></section></section><section style="font-size: 15px; letter-spacing: 1px; text-align: center; justify-content: center; display: flex; flex-flow: row nowrap;"><section style="display: inline-block; width: 100%; vertical-align: top; align-self: flex-start; flex: 0 0 auto; height: auto; background-color: #fff8f1; padding: 4px; border: 2px solid #d14033;"><section style="justify-content: center; display: flex; flex-flow: row nowrap;"><section style="display: inline-block; width: 100%; vertical-align: top; align-self: flex-start; flex: 0 0 auto; height: auto; background-color: #ffffff; border: 1px solid #d14033;"><section style="text-align: justify;"><p> </p></section><section style="text-align: justify;"><p> </p></section><section style="text-align: left; justify-content: flex-start; display: flex; flex-flow: row nowrap;"><section style="display: inline-block; width: 100%; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: #feffff;"><section style="justify-content: flex-start; display: flex; flex-flow: row nowrap; margin-bottom: 10px;"><section style="display: inline-block; width: 100%; vertical-align: top; border-left: 6px solid #d14033; align-self: flex-start; flex: 0 0 auto;"><section style="transform: translate3d(10px, 0px, 0px);"><section style="color: #971616; text-align: justify;"><p><strong>保障责任一</strong> ：<span style="color: #141414;"><strong>基本医保政策范围内</strong></span></p><p><span style="color: #141414;"><strong>个人自付住院医疗费用保障 | 100万元</strong></span></p></section></section></section></section><section style="text-align: justify; color: #141414; line-height: 2; padding-right: 15px; padding-left: 15px;"><p>保险期间内，医保政策范围内个人自付合规住院医疗费用经“基本医保、大病保险、医疗救助、政府主办的其他医疗保险”报销后，扣除<span style="color: #971616;"><strong>年免赔额1.8万元</strong></span>，剩余部分报销比例<span style="color: #971616;"><strong>75% </strong></span>(12种既往症报销50%)，最高报销<strong><span style="color: #971616;">100万元</span></strong>。</p></section><section style="text-align: justify;"><p> </p></section><section style="justify-content: flex-start; display: flex; flex-flow: row nowrap; margin-bottom: 10px;"><section style="display: inline-block; width: 100%; vertical-align: top; border-left: 6px solid #d14033; align-self: flex-start; flex: 0 0 auto;"><section style="transform: translate3d(10px, 0px, 0px);"><section style="color: #971616; text-align: justify;"><p><strong>保障责任二：</strong><strong><span style="color: #141414;">特定高额药品和</span></strong></p><p><strong><span style="color: #141414;">罕见药品费用保障 | 100万元</span></strong></p></section></section></section></section><section style="text-align: justify; color: #141414; line-height: 2; padding-right: 15px; padding-left: 15px;"><p>保险期间内，30种特定高额药品和2种罕见病药品费用，<strong><span style="color: #971616;">0免赔额</span></strong>，报销比例<strong><span style="color: #971616;">70% </span></strong>（《资惠保特定高额药品和罕见病药品目录》中对应疾病既往症报销<strong><span style="color: #971616;">30%</span></strong>）,最高报销<strong><span style="color: #971616;">100万元</span></strong>。</p></section></section></section><section style="text-align: justify;"><p> </p></section></section></section></section></section><p style="font-size: 15px; letter-spacing: 1px;"> </p><section style="font-size: 15px; letter-spacing: 1.5px; text-align: center; color: #141414; line-height: 2;"><p>“资惠保”作为一份政府指导的惠民保障</p><p>致力于为患者及其家庭减轻</p><p>治疗和用药所产生的经济负担</p><p>每年仅需<strong><span style="color: #971616;">59元</span></strong>，一次缴费，全年无忧！</p></section><p style="font-size: 15px; letter-spacing: 1px;"> </p><section style="font-size: 15px; letter-spacing: 1px; justify-content: flex-start; display: flex; flex-flow: row nowrap;"><section style="display: inline-block; width: 100%; vertical-align: top; align-self: flex-start; flex: 0 0 auto; background-color: #f7f7f7; padding: 22px;"><section style="text-align: justify; color: #141414; line-height: 2; letter-spacing: 1.5px;"><p style="text-indent: 2.2em;">没有亲身历过的人，不会明白<strong>为什么生一场大病，动辄就是十几万、几十万的医药费</strong>。如果真的不幸罹患疾病需要就医，大笔的医疗费用和治疗费用是无法避免的，而能否安心的掏钱则取决于患者是否负担得起。这时候，如果有一份<span style="color: #971616;"><strong>“资惠保”</strong></span>，就可以更坦然地提出自己的需求，不必担心为家人增添经济负担。</p></section></section></section><section style="font-size: 15px; letter-spacing: 1px; text-align: center;"><section style="display: inline-block; width: 18px; height: 55px; vertical-align: top; overflow: hidden;"><section style="margin-right: 0%; margin-left: 0%; line-height: 0;"><section style="vertical-align: middle; display: inline-block; line-height: 0;"></section></section></section></section><section style="font-size: 15px; letter-spacing: 1px; line-height: 1;"><p> </p></section><section style="font-size: 15px; letter-spacing: 1.5px; text-align: center; color: #141414; line-height: 2;"><p>参保“资惠保”</p><p>保的是一份安心和依靠</p><p>保的是面对重大疾病风险的勇气</p><p>更重要的是</p><p><span style="color: #971616;"><strong>它能帮我们解决重大疾病</strong></span></p><p><span style="color: #971616;"><strong>所带来的高额经济负担</strong></span></p></section><p style="font-size: 15px; letter-spacing: 1px;"> </p><section style="font-size: 15px; letter-spacing: 1px; margin-top: 10px; isolation: isolate; display: flex; flex-flow: row nowrap; justify-content: flex-start;"><section style="display: inline-block; vertical-align: bottom; width: auto; background-color: #de3636; min-width: 10%; flex: 0 0 auto; height: auto; padding: 9px 15px; align-self: flex-end;"><section style="color: #ffffff; letter-spacing: 2px; line-height: 1; text-align: justify;"><p><strong>举个例子</strong></p></section></section><section style="display: inline-block; vertical-align: bottom; width: auto; flex: 100 100 0%; height: auto; align-self: flex-end; padding: 4px 4px 4px 12px;"><section style="color: rgba(134, 22, 22, 0.38); font-size: 13px; text-align: justify;"><p>保一份希望，给患者更多可能</p></section></section></section><section style="font-size: 15px; letter-spacing: 1px; justify-content: flex-start; display: flex; flex-flow: row nowrap;"><section style="display: inline-block; width: 100%; vertical-align: top; background-color: #fff6f6; border-radius: 5px; overflow: hidden; align-self: flex-start; flex: 0 0 auto; padding: 15px; border: 0px none #3e3e3e;"><section style="color: #141414; line-height: 2; text-align: justify; letter-spacing: 1.5px;"><p style="text-indent: 2.2em;">资阳市基本医保参保人老张，2023年4月以非既往症人群的身份参保<span style="color: #971616;"><strong>“资惠保”</strong></span>，<strong><span style="color: #971616;">保费59元</span></strong>。保单生效日后，老王在资阳医保定点医院就医，并确诊为肺癌。</p></section><section style="margin: 15px 0% 20px;"><section style="background-color: #971616; height: 1px;"></section></section><section style="font-size: 14px; color: #233234; letter-spacing: 1.5px; line-height: 2; text-align: justify;"><p><span style="font-size: 15px; color: #971616;"><strong>◆ 住院治疗情况</strong></span></p><p><span style="font-size: 15px; color: #141414;">住院期间进行手术、化疗等相关治疗，共计花费<strong><span style="color: #971616;">53万元</span></strong>，医保统筹支付</span><strong><span style="font-size: 15px; color: #971616;">11万元</span></strong><span style="font-size: 15px; color: #141414;">，居民大病保险支付</span><strong><span style="font-size: 15px; color: #971616;">8万元</span></strong><span style="font-size: 15px; color: #141414;">，非医保内费用</span><strong><span style="font-size: 15px; color: #971616;">9万元</span></strong><span style="font-size: 15px; color: #141414;">，基本医疗保险范围内个人支付</span><strong><span style="font-size: 15px; color: #971616;">15万元</span></strong><span style="font-size: 15px; color: #141414;">，院外遵处方购买《资惠保特定高额药品和罕见药品目录》内特药花费</span><strong><span style="font-size: 15px; color: #971616;">10万元</span></strong><span style="font-size: 15px; color: #141414;">。</span></p></section><section style="text-align: justify; line-height: 1;"><p> </p></section><section style="justify-content: flex-start; display: flex; flex-flow: row nowrap;"><section style="display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 30 30 0%; border-bottom: 1px solid #971616; height: auto;"><section style="text-align: justify; font-size: 11px; line-height: 1;"><p> </p></section></section><section style="display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 0 0 auto; min-width: 5%; height: auto;"><section style="margin-top: 7px;"><section style="text-align: justify; font-size: 9px; color: #971616; letter-spacing: 2px; line-height: 1; padding-right: 10px; padding-left: 10px;"><p><strong>ZI HUI BAO</strong></p></section></section></section><section style="display: inline-block; vertical-align: top; width: auto; align-self: flex-start; flex: 30 30 0%; border-bottom: 1px solid #971616; height: auto;"><section style="text-align: justify; font-size: 11px; line-height: 1;"><p> </p></section></section></section><section style="text-align: justify; line-height: 1;"><p> </p></section><section style="text-align: justify; color: #141414; letter-spacing: 1.5px; line-height: 2;"><p style="text-indent: 0em;"><span style="color: #971616;"><strong>保障一：</strong></span>基本医保政策范围内<span style="text-indent: 0em;">个人自付住院医疗费用保障</span></p><p style="text-indent: 0em;">免赔额以上：15万元-1.8万元=13.2万元</p><p style="text-indent: 0em;"><strong>“资惠保”赔付：</strong>13.2万元×75%=<span style="color: #971616;"><strong>9.9万元</strong></span></p></section><section style="text-align: justify; color: #141414; letter-spacing: 1.5px; line-height: 2;"><p style="text-indent: 0em;"><strong><span style="color: #971616;">保障二：</span></strong>特定高额药品和罕见药品费用保障</p><p style="text-indent: 0em;"><strong>“资惠保”赔付：</strong>10万元×70%=<span style="color: #971616;"><strong>7万元</strong></span></p></section><section style="text-align: justify;"><p> </p></section><section style="text-align: center; color: #141414; letter-spacing: 1.5px;"><p style="text-indent: 0em;"><span style="color: #971616;"><strong> 综上，“资惠保”共为老张赔付：</strong></span></p><p>9.9万元+7万元=<strong><span style="font-size: 18px; color: #ffffff; text-shadow: #333333 1px 1px 0px, #333333 1px -1px 0px, #333333 -1px 1px 0px, #333333 -1px -1px 0px, #333333 0px 1.4px 0px, #333333 0px -1.4px 0px, #333333 -1.4px 0px 0px, #333333 1.4px 0px 0px, #ffde17 2px 2px 0px, #ffde17 3px 3px 0px, #ffde17 3px 1px 0px, #ffde17 1px 3px 0px, #ffde17 1px 1px 0px, #ffde17 2px 3.4px 0px, #ffde17 2px 0.6px 0px, #ffde17 0.6px 2px 0px, #ffde17 3.4px 2px 0px;">16.9万元</span></strong></p></section><section style="text-align: justify;"><p> </p></section><section style="text-align: justify; color: #141414; letter-spacing: 1.5px; line-height: 2;"><p style="text-indent: 0em;">所以<strong><span style="color: #971616;">参保了“资惠保”</span></strong>的老张实际个人支付：</p><p style="text-indent: 0em;">53万元-19万元-16.9万元=<span style="color: #971616;"><strong>17.1万元</strong></span></p><p style="text-indent: 0em;">如果老张<span style="color: #006aba;"><strong>未参加“资惠保”</strong></span>，则实际个人支付：</p><p style="text-indent: 0em;">53万元-19万元=<strong><span style="color: #006aba;">34万元</span></strong></p></section><section style="text-align: justify; line-height: 1;"><p> </p></section><section style="text-align: center; font-size: 12px; color: #797979; letter-spacing: 1.5px; line-height: 2;"><p style="text-indent: 0em;">（*案例仅做演示使用，不作为理赔依据）</p></section></section></section><p style="font-size: 15px; letter-spacing: 1px;"> </p><section style="font-size: 15px; letter-spacing: 1.5px; text-align: center; color: #141414; line-height: 2;"><p>这差别是不是一目了然呢？</p><p>这份政府指导 资阳专属的“资惠保”</p><p>只要每天不到3毛钱，最高保障200万</p><p><span style="color: #971616; font-size: 17px;"><strong>价格很划算，保障不打折</strong></span></p><p>赶快<span style="letter-spacing: 1.5px;">为自己和家人参保吧</span></p><div style="text-align: center;"><img src="https://pic.bbs.jiuquhe.com/forum/202305/10/110934osz1subiivuupztt.gif" /></div></section><section style="font-size: 15px; letter-spacing: 1px; text-align: center; line-height: 0;"></section><section style="text-align: center; line-height: 2;"><p><a href="https://static.wesure.cn/app4/benefit-the-people/insure?cityCode=512000&productCode=LH53&wtagid=W119.78.2964&agentWtag=W119.78.2964×=1"><strong><span style="color: #ff0000; font-size: large;">点我进入资惠保购买页面</span></strong></a></p><p> </p><div style="text-align: center;"><img src="https://pic.bbs.jiuquhe.com/forum/202305/10/112555abh6ga6n2errb1nh.jpg" /></div><p>↑也可扫码进入↑</p></section></section></div><p> </p> <!----></div> 分享可以了哟 讲解得很清楚了我家亲戚好多都买了
我分享了 大头哥 发表于 2023-5-10 12:49
分享可以了哟
已经分享了， 这下了解得更清楚一些了 解释清楚 明明白白 讲解的详细清楚！