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data-v-379d4c44><i class="iconfont icon_eye" data-v-379d4c44></i> <span data-v-379d4c44>1412</span></div></div></div> <div class="6111611" id="zhinanLinkContains" class="contains" data-v-379d4c44><div id="1666166" class="rich-text-parse underline-a" data-v-379d4c44><section data-role="outer"> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;"><span style="caret-color: red;">近日，長沙市政府聯(lián)合中國人保等5家<a href="http://www.longbiao56.com/" target="_blank">保險(xiǎn)</a>公司共同推出了一款惠民類補(bǔ)充<a href="http://www.longbiao56.com/he/159298" target="_blank">醫(yī)療保險(xiǎn)</a>——</span><strong style="caret-color: red;">長沙惠民保</strong><span style="caret-color: red;">。</span></p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">這款產(chǎn)品一年139元就能買到400萬的<a href="http://www.longbiao56.com/he/139916" target="_blank">醫(yī)療保障</a>，<strong>可以報(bào)銷<a href="http://www.longbiao56.com/zhinan/119111119415396501" target="_blank">住院醫(yī)療</a>、特殊病種門診醫(yī)療和特定的藥品費(fèi)。</strong></p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">作為普惠型的<a href="http://www.longbiao56.com/zhinan/120070221293285601" target="_blank">醫(yī)療險(xiǎn)</a>，可以報(bào)銷社保內(nèi)外和既往癥的合理的<a href="http://www.longbiao56.com/he/154880" target="_blank">醫(yī)療費(fèi)</a>，保障還是很不錯(cuò)的。</p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">不少朋友問：我之前得過大病，還能投保長沙惠民保嗎？投保后能報(bào)銷嗎？</p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">下面，我們就針對這幾個(gè)問題一起來看看。</p> <h3 style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;"><strong>一<span style="font-size: 18px;">、長沙惠民保，可以帶病投保嗎？</span></strong></h3> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;"><strong>可以帶病投保！</strong></p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">長沙惠民保的投保門檻極低，不限職業(yè)年齡、不限戶籍、不問及被保人的健康狀況，即使是得過癌癥等大病也能投保。</p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">更重要的是，長沙惠民保<strong>不僅支持既往癥人群投保，因既往癥導(dǎo)致的合理的醫(yī)療費(fèi)和藥品費(fèi)也能進(jìn)行報(bào)銷</strong>，具體會(huì)在下面詳細(xì)說明。</p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">總之，只要是<a href="http://www.longbiao56.com/he/189769" target="_blank">長沙醫(yī)保</a>的參保人，帶病也能投保，且產(chǎn)品生效后，既往癥導(dǎo)致的醫(yī)療費(fèi)和藥品費(fèi)也能報(bào)銷！</p> <h3 style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;"><span style="font-size: 18px;"><strong>二、長沙惠民保，保障內(nèi)容是什么？</strong></span></h3> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;"><span style="caret-color: red;">保障內(nèi)容如下：</span></p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;"><img src="https://file.shenlanbao.com/2021/07/27/1419946310025535488.png" data-ratio="0.8006430868167203" data-w="933" /></p> <blockquote> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">罕見病：以2018年5月22日國家衛(wèi)生健康委、國家藥品監(jiān)督管理局和國家中醫(yī)藥管理局等五部門聯(lián)合發(fā)布的《第一批罕見病目錄》[國衛(wèi)醫(yī)發(fā)〔2018〕10號]為準(zhǔn)，共121種。</p> </blockquote> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">可以看到，長沙惠民保<strong>對一般疾病和罕見病均提供保障</strong>，<strong>內(nèi)容涵蓋住院及特殊病種門診。</strong></p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">醫(yī)保報(bào)銷后，長沙惠民保還能報(bào)銷醫(yī)保目錄外的部分住院醫(yī)療費(fèi)、特殊病種門診醫(yī)療費(fèi)。</p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">具體如下：</p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;"><strong>1.一般疾病住院及特殊病種門診醫(yī)療保障</strong></p> <ul> <li style="line-height: 2em; letter-spacing: 1px;"><strong><a href="http://www.longbiao56.com/wenda/3-3015" target="_blank">社保范圍</a>內(nèi)</strong>：醫(yī)保報(bào)銷后，個(gè)人自付超過1.8萬的部分，能報(bào)銷80%，最高能報(bào)銷150萬。</li> <li style="line-height: 2em; letter-spacing: 1px;"><strong>社保范圍外</strong>：醫(yī)保外的費(fèi)用，自己掏的錢超過1.8萬后，按如下比例進(jìn)行報(bào)銷：20萬以下報(bào)銷30%，20-50萬部分報(bào)銷40%，50萬以上部分報(bào)銷50%，年度總<a href="http://www.longbiao56.com/zhuanti/1099" target="_blank">保額</a>100萬。</li> </ul> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;"><strong>2.罕見病住院及特殊病種門診醫(yī)療保障</strong></p> <ul> <li style="line-height: 2em; letter-spacing: 1px;"><strong>社保范圍內(nèi)</strong>：醫(yī)保報(bào)銷后，個(gè)人自付超過1.8萬的部分，能報(bào)銷80%，最高能報(bào)銷50萬。</li> <li style="line-height: 2em; letter-spacing: 1px;"><strong>社保范圍外</strong>：如果屬于醫(yī)保外的費(fèi)用，自己掏的錢超過1.8萬后，0-20萬部分能報(bào)銷40%；20-50萬部分能報(bào)銷50%；50萬以上部分能報(bào)銷60%；最高報(bào)銷50萬。</li> </ul> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;"><strong>3.特定藥品費(fèi)保障</strong></p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">當(dāng)這20種藥<strong>自費(fèi)超過2萬的部分，可以報(bào)銷60%，最高只能報(bào)銷50萬</strong>。</p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">可以看到，特定藥品費(fèi)的保障額度并不高，與其他能報(bào)銷上百萬藥品費(fèi)的惠民保險(xiǎn)相比，稍顯遺憾。</p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">20種藥品清單如下：</p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;"><img src="https://file.shenlanbao.com/2021/07/27/1419946312030412800.png" data-ratio="1.9407407407407407" data-w="405" /></p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">這20種特定藥品保障包含最新上市的CAR-T療法，涵蓋肺癌、乳腺癌、淋巴瘤等多種疾??！</p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">值得注意的是，<strong>長沙惠民保還能報(bào)銷既往癥的相關(guān)費(fèi)用。</strong></p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">如果屬于合同約定的既往癥治療，那么上述各項(xiàng)責(zé)任的醫(yī)療費(fèi)，不管是醫(yī)保內(nèi)還是醫(yī)保外，都統(tǒng)一按照40%的比例進(jìn)行報(bào)銷。</p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">9種約定的既往癥如下：</p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;"><img src="https://file.shenlanbao.com/2021/07/27/1419946313183846400.png" data-ratio="1.2696335078534031" data-w="382" /></p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;"><span style="caret-color: red;">雖然既往癥的報(bào)銷比例并不高，但與大部分對既往癥免責(zé)的惠民保險(xiǎn)相比，能報(bào)銷既往癥也屬于錦上添花了。</span></p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">這里要提醒大家，<strong>一定要先用醫(yī)保報(bào)銷，否則，長沙惠民保一分錢也不報(bào)。</strong></p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">如果是異地就醫(yī)，需要提前辦好異地就醫(yī)備案，如果還不知道怎么辦理的，可以點(diǎn)擊《異地就醫(yī)備案可以網(wǎng)上辦理啦！手把手教你》這篇文章了解。</p> <h3 style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;"><span style="font-size: 18px;"><strong>三、長沙惠民保，適合哪些人買？</strong></span></h3> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">長沙惠民保，保障內(nèi)容不夠全面，報(bào)銷比例也不是很高。所以，<strong>如果是身體健康的小伙伴，<a href="http://www.longbiao56.com/" target="_blank">深藍(lán)</a>君建議優(yōu)先購買保障更好的百萬醫(yī)療險(xiǎn)。</strong></p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">要是買不了百萬醫(yī)療險(xiǎn)，可以考慮購買一份長沙惠民保，尤其是下列3類人，可以重點(diǎn)考慮長沙惠民保：</p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;"><strong>1.高齡老人</strong></p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">百萬醫(yī)療險(xiǎn)都有年齡限制，而長沙惠民保不限年齡，90歲的高齡老人也能買，只要有當(dāng)?shù)蒯t(yī)保。</p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;"><strong>2.健康欠佳</strong></p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">長沙惠民保不用健康告知，生過重病也能買。如果買不了百萬醫(yī)療，或者被除外承保，比如不保乳腺、甲狀腺等部位的疾病，可以考慮買一份作為補(bǔ)充。</p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;"><strong>3.高危職業(yè)</strong></p> <p style="margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;">像礦井工人、防暴警察、消防員這些高風(fēng)險(xiǎn)職業(yè)，一般的醫(yī)療險(xiǎn)都無法投保，而長沙惠民保沒有職業(yè)要求，任何職業(yè)都能買。</p> </section></div></div> <a href="http://www.longbiao56.com/consult/?channel=WEB0081" class="xianshiImg" 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src="data:image/svg+xml;base64,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" 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data-v-c8a124f0>今天，上海市的城市惠民保險(xiǎn)在廣大市民的關(guān)注下，終于跟大家見面了，它就是“滬惠?！薄＿@款產(chǎn)品一年費(fèi)用1</div> <div id="6116666" class="info" data-v-c8a124f0><div id="1661166" class="publish-time" data-v-c8a124f0><img src="data:image/svg+xml;base64,PD94bWwgdmVyc2lvbj0iMS4wIiBlbmNvZGluZz0iVVRGLTgiPz4KPHN2ZyB3aWR0aD0iMTZweCIgaGVpZ2h0PSIxNnB4IiB2aWV3Qm94PSIwIDAgMTYgMTYiIHZlcnNpb249IjEuMSIgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIiB4bWxuczp4bGluaz0iaHR0cDovL3d3dy53My5vcmcvMTk5OS94bGluayI+CiAgICA8dGl0bGU+aWNvbl90aW1lPC90aXRsZT4KICAgIDxnIGlkPSJpY29uX3RpbWUiIHN0cm9rZT0ibm9uZSIgc3Ryb2tlLXdpZHRoPSIxIiBmaWxsPSJub25lIiBmaWxsLXJ1bGU9ImV2ZW5vZGQiPgogICAgICAgIDxnIHRyYW5zZm9ybT0idHJhbnNsYXRlKDEuNTAwMDAwLCAxLjUwMDAwMCkiPgogICAgICAgICAgICA8ZyBpZD0i57yW57uELTciIHRyYW5zZm9ybT0idHJhbnNsYXRlKDUuNTAwMDAwLCAzLjAwMDAwMCkiIGZpbGw9IiNBQkFCQUIiPgogICAgICAgICAgICAgICAgPHJlY3QgaWQ9IuefqeW9oiIgeD0iMCIgeT0iMC41IiB3aWR0aD0iMSIgaGVpZ2h0PSI0IiByeD0iMC41Ij48L3JlY3Q+CiAgICAgICAgICAgICAgICA8cmVjdCBpZD0i55+p5b2iIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgyLjAwMDAwMCwgNC4wMDAwMDApIHNjYWxlKC0xLCAxKSByb3RhdGUoOTAuMDAwMDAwKSB0cmFuc2xhdGUoLTIuMDAwMDAwLCAtNC4wMDAwMDApICIgeD0iMS41IiB5PSIyIiB3aWR0aD0iMSIgaGVpZ2h0PSI0IiByeD0iMC41Ij48L3JlY3Q+CiAgICAgICAgICAgIDwvZz4KICAgICAgICAgICAgPGNpcmNsZSBpZD0i5qSt5ZyG5b2iIiBzdHJva2U9IiNBQkFCQUIiIGN4PSI2LjUiIGN5PSI2LjUiIHI9IjYiPjwvY2lyY2xlPgogICAgICAgIDwvZz4KICAgIDwvZz4KPC9zdmc+" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>2021-04-28</span></div> <div id="6666611" class="view" data-v-c8a124f0><img src="https://static1.shenlanbao.com/zhishi-static/img/dc2cf8c.svg" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>4169</span></div></div></div></div></div><div id="6111616" class="article-item" style="padding:0 30px;" data-v-c8a124f0 data-v-1260a28f><div id="1161161" class="main" style="padding:30px 0;border-bottom:;flex-direction:;" data-v-c8a124f0><a href="/zhinan/1377589027416104960" target="_self" class="img" style="border-radius:4px;" data-v-c8a124f0><img src="https://file.shenlanbao.com/2021/04/01/1377586362516422656.jpg" data-v-c8a124f0></a> <div id="1666616" class="gap" data-v-c8a124f0></div> <div id="6666111" class="content" data-v-c8a124f0><a href="/zhinan/1377589027416104960" target="_self" class="title style-oneline" data-v-c8a124f0>江西衛(wèi)惠?？梢詭Р⊥侗?？怎么投保？</a> <div id="1616611" class="desc style-mutiline" data-v-c8a124f0>我們的一生都會(huì)面臨各種不確定的疾病風(fēng)險(xiǎn)，由于社會(huì)醫(yī)療保險(xiǎn)只能滿足基本的醫(yī)療需求，所以我們還需要其他保</div> <div id="1111161" class="info" data-v-c8a124f0><div id="6116116" class="publish-time" data-v-c8a124f0><img src="data:image/svg+xml;base64,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" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>2021-04-01</span></div> <div id="6661116" class="view" data-v-c8a124f0><img src="https://static1.shenlanbao.com/zhishi-static/img/dc2cf8c.svg" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>4837</span></div></div></div></div></div><div id="6111611" class="article-item" style="padding:0 30px;" data-v-c8a124f0 data-v-1260a28f><div id="6616166" class="main" style="padding:30px 0;border-bottom:;flex-direction:;" data-v-c8a124f0><a href="/zhinan/1399650340928217088" target="_self" class="img" style="border-radius:4px;" data-v-c8a124f0><img src="https://file.shenlanbao.com/2021/06/01/1399649825252499456.jpg" data-v-c8a124f0></a> <div id="1611661" class="gap" data-v-c8a124f0></div> <div id="1611116" class="content" data-v-c8a124f0><a href="/zhinan/1399650340928217088" target="_self" class="title style-oneline" data-v-c8a124f0>臨沂保怎么買？可以帶病投保嗎？</a> <div id="1661666" class="desc style-mutiline" data-v-c8a124f0>疾病風(fēng)險(xiǎn)是我們不能預(yù)測的，由于醫(yī)保只能滿足基本的醫(yī)療需求，所以我們還需要其他保險(xiǎn)來作為補(bǔ)充?！芭R沂保</div> <div id="6166611" class="info" data-v-c8a124f0><div id="1161666" class="publish-time" data-v-c8a124f0><img src="data:image/svg+xml;base64,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" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>2021-06-01</span></div> <div id="1116616" class="view" data-v-c8a124f0><img src="https://static1.shenlanbao.com/zhishi-static/img/dc2cf8c.svg" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>2759</span></div></div></div></div></div><div id="1666166" class="article-item" style="padding:0 30px;" data-v-c8a124f0 data-v-1260a28f><div id="6666116" class="main" style="padding:30px 0;border-bottom:;flex-direction:;" data-v-c8a124f0><a href="/zhinan/1431169802252828672" target="_self" class="img" style="border-radius:4px;" data-v-c8a124f0><img src="https://file.shenlanbao.com/2021/08/27/1431169732021772288.jpg" data-v-c8a124f0></a> <div id="1116116" class="gap" data-v-c8a124f0></div> <div id="1616666" class="content" data-v-c8a124f0><a href="/zhinan/1431169802252828672" target="_self" class="title style-oneline" data-v-c8a124f0>濰坊惠民保險(xiǎn)可以帶病投保嗎？怎么報(bào)銷？值不值得買？</a> <div id="1611166" class="desc style-mutiline" data-v-c8a124f0>昨天，由濰坊市醫(yī)保局等多家政府部門指導(dǎo)、人保財(cái)險(xiǎn)等9家保險(xiǎn)公司共同承保推出的惠民保險(xiǎn)——濰坊惠民保正</div> <div id="1116111" class="info" data-v-c8a124f0><div id="1666111" class="publish-time" data-v-c8a124f0><img src="data:image/svg+xml;base64,PD94bWwgdmVyc2lvbj0iMS4wIiBlbmNvZGluZz0iVVRGLTgiPz4KPHN2ZyB3aWR0aD0iMTZweCIgaGVpZ2h0PSIxNnB4IiB2aWV3Qm94PSIwIDAgMTYgMTYiIHZlcnNpb249IjEuMSIgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIiB4bWxuczp4bGluaz0iaHR0cDovL3d3dy53My5vcmcvMTk5OS94bGluayI+CiAgICA8dGl0bGU+aWNvbl90aW1lPC90aXRsZT4KICAgIDxnIGlkPSJpY29uX3RpbWUiIHN0cm9rZT0ibm9uZSIgc3Ryb2tlLXdpZHRoPSIxIiBmaWxsPSJub25lIiBmaWxsLXJ1bGU9ImV2ZW5vZGQiPgogICAgICAgIDxnIHRyYW5zZm9ybT0idHJhbnNsYXRlKDEuNTAwMDAwLCAxLjUwMDAwMCkiPgogICAgICAgICAgICA8ZyBpZD0i57yW57uELTciIHRyYW5zZm9ybT0idHJhbnNsYXRlKDUuNTAwMDAwLCAzLjAwMDAwMCkiIGZpbGw9IiNBQkFCQUIiPgogICAgICAgICAgICAgICAgPHJlY3QgaWQ9IuefqeW9oiIgeD0iMCIgeT0iMC41IiB3aWR0aD0iMSIgaGVpZ2h0PSI0IiByeD0iMC41Ij48L3JlY3Q+CiAgICAgICAgICAgICAgICA8cmVjdCBpZD0i55+p5b2iIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgyLjAwMDAwMCwgNC4wMDAwMDApIHNjYWxlKC0xLCAxKSByb3RhdGUoOTAuMDAwMDAwKSB0cmFuc2xhdGUoLTIuMDAwMDAwLCAtNC4wMDAwMDApICIgeD0iMS41IiB5PSIyIiB3aWR0aD0iMSIgaGVpZ2h0PSI0IiByeD0iMC41Ij48L3JlY3Q+CiAgICAgICAgICAgIDwvZz4KICAgICAgICAgICAgPGNpcmNsZSBpZD0i5qSt5ZyG5b2iIiBzdHJva2U9IiNBQkFCQUIiIGN4PSI2LjUiIGN5PSI2LjUiIHI9IjYiPjwvY2lyY2xlPgogICAgICAgIDwvZz4KICAgIDwvZz4KPC9zdmc+" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>2021-08-27</span></div> <div id="6111161" class="view" data-v-c8a124f0><img src="https://static1.shenlanbao.com/zhishi-static/img/dc2cf8c.svg" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>3704</span></div></div></div></div></div><div id="1111666" class="article-item" style="padding:0 30px;" data-v-c8a124f0 data-v-1260a28f><div id="6116611" class="main" style="padding:30px 0;border-bottom:;flex-direction:;" data-v-c8a124f0><a href="/zhinan/1387973309550825472" target="_self" class="img" style="border-radius:4px;" data-v-c8a124f0><img src="https://file.shenlanbao.com/2021/06/01/849360613376397312.jpg" data-v-c8a124f0></a> <div id="6161616" class="gap" data-v-c8a124f0></div> <div id="6166611" class="content" data-v-c8a124f0><a href="/zhinan/1387973309550825472" target="_self" class="title style-oneline" data-v-c8a124f0>全民保普惠醫(yī)療險(xiǎn)可以帶病投保嗎？怎么投保？</a> <div id="1611661" class="desc style-mutiline" data-v-c8a124f0>相信很多人都購買了醫(yī)保來規(guī)避各種未知疾病的風(fēng)險(xiǎn)。但低保障、廣覆蓋的特點(diǎn)，決定了醫(yī)保只能滿足基本的醫(yī)療</div> <div id="1161116" class="info" data-v-c8a124f0><div id="1661616" class="publish-time" data-v-c8a124f0><img src="data:image/svg+xml;base64,PD94bWwgdmVyc2lvbj0iMS4wIiBlbmNvZGluZz0iVVRGLTgiPz4KPHN2ZyB3aWR0aD0iMTZweCIgaGVpZ2h0PSIxNnB4IiB2aWV3Qm94PSIwIDAgMTYgMTYiIHZlcnNpb249IjEuMSIgeG1sbnM9Imh0dHA6Ly93d3cudzMub3JnLzIwMDAvc3ZnIiB4bWxuczp4bGluaz0iaHR0cDovL3d3dy53My5vcmcvMTk5OS94bGluayI+CiAgICA8dGl0bGU+aWNvbl90aW1lPC90aXRsZT4KICAgIDxnIGlkPSJpY29uX3RpbWUiIHN0cm9rZT0ibm9uZSIgc3Ryb2tlLXdpZHRoPSIxIiBmaWxsPSJub25lIiBmaWxsLXJ1bGU9ImV2ZW5vZGQiPgogICAgICAgIDxnIHRyYW5zZm9ybT0idHJhbnNsYXRlKDEuNTAwMDAwLCAxLjUwMDAwMCkiPgogICAgICAgICAgICA8ZyBpZD0i57yW57uELTciIHRyYW5zZm9ybT0idHJhbnNsYXRlKDUuNTAwMDAwLCAzLjAwMDAwMCkiIGZpbGw9IiNBQkFCQUIiPgogICAgICAgICAgICAgICAgPHJlY3QgaWQ9IuefqeW9oiIgeD0iMCIgeT0iMC41IiB3aWR0aD0iMSIgaGVpZ2h0PSI0IiByeD0iMC41Ij48L3JlY3Q+CiAgICAgICAgICAgICAgICA8cmVjdCBpZD0i55+p5b2iIiB0cmFuc2Zvcm09InRyYW5zbGF0ZSgyLjAwMDAwMCwgNC4wMDAwMDApIHNjYWxlKC0xLCAxKSByb3RhdGUoOTAuMDAwMDAwKSB0cmFuc2xhdGUoLTIuMDAwMDAwLCAtNC4wMDAwMDApICIgeD0iMS41IiB5PSIyIiB3aWR0aD0iMSIgaGVpZ2h0PSI0IiByeD0iMC41Ij48L3JlY3Q+CiAgICAgICAgICAgIDwvZz4KICAgICAgICAgICAgPGNpcmNsZSBpZD0i5qSt5ZyG5b2iIiBzdHJva2U9IiNBQkFCQUIiIGN4PSI2LjUiIGN5PSI2LjUiIHI9IjYiPjwvY2lyY2xlPgogICAgICAgIDwvZz4KICAgIDwvZz4KPC9zdmc+" 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src="data:image/svg+xml;base64,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" 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data-v-c8a124f0>內(nèi)江甜惠保是四川省內(nèi)江市推出的一款普惠型醫(yī)療補(bǔ)充保險(xiǎn)。作為一款惠民類保險(xiǎn)，甜惠保一年只要59元，就能</div> <div id="1166611" class="info" data-v-c8a124f0><div id="1611666" class="publish-time" data-v-c8a124f0><img src="data:image/svg+xml;base64,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" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>2021-09-08</span></div> <div id="6161666" class="view" data-v-c8a124f0><img src="https://static1.shenlanbao.com/zhishi-static/img/dc2cf8c.svg" class="icon" data-v-c8a124f0> <span data-v-c8a124f0>5497</span></div></div></div></div></div><div id="1116666" class="article-item" style="padding:0 30px;" data-v-c8a124f0 data-v-1260a28f><div id="6116116" class="main" style="padding:30px 0;border-bottom:;flex-direction:;" data-v-c8a124f0><a href="/zhinan/1448254607566409728" target="_self" class="img" style="border-radius:4px;" data-v-c8a124f0><img src="https://file.shenlanbao.com/2021/10/13/1448252913640202240.jpg" data-v-c8a124f0></a> <div id="6616166" class="gap" data-v-c8a124f0></div> <div id="6161611" class="content" data-v-c8a124f0><a href="/zhinan/1448254607566409728" target="_self" class="title style-oneline" data-v-c8a124f0>帶病投保能查出來嗎？如何“帶病投?！?？</a> <div id="6611161" class="desc style-mutiline" 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src="data:image/svg+xml;base64,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" 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data-v-c8a124f0>生過大病，很多醫(yī)療險(xiǎn)都沒法買；即便能買，一般也不能保既往癥，很多朋友為此感到很困擾。但前幾天新出的“</div> <div id="6111116" class="info" data-v-c8a124f0><div id="1116116" class="publish-time" data-v-c8a124f0><img src="data:image/svg+xml;base64,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" 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data-role=\"outer\"\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cspan style=\"caret-color: red;\"\u003E近日，長沙市政府聯(lián)合中國人保等5家\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002F\" target=\"_blank\"\u003E保險(xiǎn)\u003C\u002Fa\u003E公司共同推出了一款惠民類補(bǔ)充\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fhe\u002F159298\" target=\"_blank\"\u003E醫(yī)療保險(xiǎn)\u003C\u002Fa\u003E——\u003C\u002Fspan\u003E\u003Cstrong style=\"caret-color: red;\"\u003E長沙惠民保\u003C\u002Fstrong\u003E\u003Cspan style=\"caret-color: red;\"\u003E。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E這款產(chǎn)品一年139元就能買到400萬的\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fhe\u002F139916\" target=\"_blank\"\u003E醫(yī)療保障\u003C\u002Fa\u003E，\u003Cstrong\u003E可以報(bào)銷\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fzhinan\u002F119111119415396501\" target=\"_blank\"\u003E住院醫(yī)療\u003C\u002Fa\u003E、特殊病種門診醫(yī)療和特定的藥品費(fèi)。\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E作為普惠型的\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fzhinan\u002F120070221293285601\" target=\"_blank\"\u003E醫(yī)療險(xiǎn)\u003C\u002Fa\u003E，可以報(bào)銷社保內(nèi)外和既往癥的合理的\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fhe\u002F154880\" target=\"_blank\"\u003E醫(yī)療費(fèi)\u003C\u002Fa\u003E，保障還是很不錯(cuò)的。\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E不少朋友問：我之前得過大病，還能投保長沙惠民保嗎？投保后能報(bào)銷嗎？\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E下面，我們就針對這幾個(gè)問題一起來看看。\u003C\u002Fp\u003E\n\u003Ch3 style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cstrong\u003E一\u003Cspan style=\"font-size: 18px;\"\u003E、長沙惠民保，可以帶病投保嗎？\u003C\u002Fspan\u003E\u003C\u002Fstrong\u003E\u003C\u002Fh3\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cstrong\u003E可以帶病投保！\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E長沙惠民保的投保門檻極低，不限職業(yè)年齡、不限戶籍、不問及被保人的健康狀況，即使是得過癌癥等大病也能投保。\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E更重要的是，長沙惠民保\u003Cstrong\u003E不僅支持既往癥人群投保，因既往癥導(dǎo)致的合理的醫(yī)療費(fèi)和藥品費(fèi)也能進(jìn)行報(bào)銷\u003C\u002Fstrong\u003E，具體會(huì)在下面詳細(xì)說明。\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E總之，只要是\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fhe\u002F189769\" target=\"_blank\"\u003E長沙醫(yī)保\u003C\u002Fa\u003E的參保人，帶病也能投保，且產(chǎn)品生效后，既往癥導(dǎo)致的醫(yī)療費(fèi)和藥品費(fèi)也能報(bào)銷！\u003C\u002Fp\u003E\n\u003Ch3 style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cspan style=\"font-size: 18px;\"\u003E\u003Cstrong\u003E二、長沙惠民保，保障內(nèi)容是什么？\u003C\u002Fstrong\u003E\u003C\u002Fspan\u003E\u003C\u002Fh3\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cspan style=\"caret-color: red;\"\u003E保障內(nèi)容如下：\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cimg src=\"https:\u002F\u002Ffile.shenlanbao.com\u002F2021\u002F07\u002F27\u002F1419946310025535488.png\" data-ratio=\"0.8006430868167203\" data-w=\"933\" \u002F\u003E\u003C\u002Fp\u003E\n\u003Cblockquote\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E罕見病：以2018年5月22日國家衛(wèi)生健康委、國家藥品監(jiān)督管理局和國家中醫(yī)藥管理局等五部門聯(lián)合發(fā)布的《第一批罕見病目錄》[國衛(wèi)醫(yī)發(fā)〔2018〕10號]為準(zhǔn)，共121種。\u003C\u002Fp\u003E\n\u003C\u002Fblockquote\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E可以看到，長沙惠民保\u003Cstrong\u003E對一般疾病和罕見病均提供保障\u003C\u002Fstrong\u003E，\u003Cstrong\u003E內(nèi)容涵蓋住院及特殊病種門診。\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E醫(yī)保報(bào)銷后，長沙惠民保還能報(bào)銷醫(yī)保目錄外的部分住院醫(yī)療費(fèi)、特殊病種門診醫(yī)療費(fèi)。\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E具體如下：\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cstrong\u003E1.一般疾病住院及特殊病種門診醫(yī)療保障\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\n\u003Cul\u003E\n\u003Cli style=\"line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cstrong\u003E\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fwenda\u002F3-3015\" target=\"_blank\"\u003E社保范圍\u003C\u002Fa\u003E內(nèi)\u003C\u002Fstrong\u003E：醫(yī)保報(bào)銷后，個(gè)人自付超過1.8萬的部分，能報(bào)銷80%，最高能報(bào)銷150萬。\u003C\u002Fli\u003E\n\u003Cli style=\"line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cstrong\u003E社保范圍外\u003C\u002Fstrong\u003E：醫(yī)保外的費(fèi)用，自己掏的錢超過1.8萬后，按如下比例進(jìn)行報(bào)銷：20萬以下報(bào)銷30%，20-50萬部分報(bào)銷40%，50萬以上部分報(bào)銷50%，年度總\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002Fzhuanti\u002F1099\" target=\"_blank\"\u003E保額\u003C\u002Fa\u003E100萬。\u003C\u002Fli\u003E\n\u003C\u002Ful\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cstrong\u003E2.罕見病住院及特殊病種門診醫(yī)療保障\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\n\u003Cul\u003E\n\u003Cli style=\"line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cstrong\u003E社保范圍內(nèi)\u003C\u002Fstrong\u003E：醫(yī)保報(bào)銷后，個(gè)人自付超過1.8萬的部分，能報(bào)銷80%，最高能報(bào)銷50萬。\u003C\u002Fli\u003E\n\u003Cli style=\"line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cstrong\u003E社保范圍外\u003C\u002Fstrong\u003E：如果屬于醫(yī)保外的費(fèi)用，自己掏的錢超過1.8萬后，0-20萬部分能報(bào)銷40%；20-50萬部分能報(bào)銷50%；50萬以上部分能報(bào)銷60%；最高報(bào)銷50萬。\u003C\u002Fli\u003E\n\u003C\u002Ful\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cstrong\u003E3.特定藥品費(fèi)保障\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E當(dāng)這20種藥\u003Cstrong\u003E自費(fèi)超過2萬的部分，可以報(bào)銷60%，最高只能報(bào)銷50萬\u003C\u002Fstrong\u003E。\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E可以看到，特定藥品費(fèi)的保障額度并不高，與其他能報(bào)銷上百萬藥品費(fèi)的惠民保險(xiǎn)相比，稍顯遺憾。\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E20種藥品清單如下：\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cimg src=\"https:\u002F\u002Ffile.shenlanbao.com\u002F2021\u002F07\u002F27\u002F1419946312030412800.png\" data-ratio=\"1.9407407407407407\" data-w=\"405\" \u002F\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E這20種特定藥品保障包含最新上市的CAR-T療法，涵蓋肺癌、乳腺癌、淋巴瘤等多種疾??！\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E值得注意的是，\u003Cstrong\u003E長沙惠民保還能報(bào)銷既往癥的相關(guān)費(fèi)用。\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E如果屬于合同約定的既往癥治療，那么上述各項(xiàng)責(zé)任的醫(yī)療費(fèi)，不管是醫(yī)保內(nèi)還是醫(yī)保外，都統(tǒng)一按照40%的比例進(jìn)行報(bào)銷。\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E9種約定的既往癥如下：\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cimg src=\"https:\u002F\u002Ffile.shenlanbao.com\u002F2021\u002F07\u002F27\u002F1419946313183846400.png\" data-ratio=\"1.2696335078534031\" data-w=\"382\" \u002F\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cspan style=\"caret-color: red;\"\u003E雖然既往癥的報(bào)銷比例并不高，但與大部分對既往癥免責(zé)的惠民保險(xiǎn)相比，能報(bào)銷既往癥也屬于錦上添花了。\u003C\u002Fspan\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E這里要提醒大家，\u003Cstrong\u003E一定要先用醫(yī)保報(bào)銷，否則，長沙惠民保一分錢也不報(bào)。\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E如果是異地就醫(yī)，需要提前辦好異地就醫(yī)備案，如果還不知道怎么辦理的，可以點(diǎn)擊《異地就醫(yī)備案可以網(wǎng)上辦理啦！手把手教你》這篇文章了解。\u003C\u002Fp\u003E\n\u003Ch3 style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cspan style=\"font-size: 18px;\"\u003E\u003Cstrong\u003E三、長沙惠民保，適合哪些人買？\u003C\u002Fstrong\u003E\u003C\u002Fspan\u003E\u003C\u002Fh3\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E長沙惠民保，保障內(nèi)容不夠全面，報(bào)銷比例也不是很高。所以，\u003Cstrong\u003E如果是身體健康的小伙伴，\u003Ca href=\"https:\u002F\u002Fwww.longbiao56.com\u002F\" target=\"_blank\"\u003E深藍(lán)\u003C\u002Fa\u003E君建議優(yōu)先購買保障更好的百萬醫(yī)療險(xiǎn)。\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E要是買不了百萬醫(yī)療險(xiǎn)，可以考慮購買一份長沙惠民保，尤其是下列3類人，可以重點(diǎn)考慮長沙惠民保：\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cstrong\u003E1.高齡老人\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E百萬醫(yī)療險(xiǎn)都有年齡限制，而長沙惠民保不限年齡，90歲的高齡老人也能買，只要有當(dāng)?shù)蒯t(yī)保。\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cstrong\u003E2.健康欠佳\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E長沙惠民保不用健康告知，生過重病也能買。如果買不了百萬醫(yī)療，或者被除外承保，比如不保乳腺、甲狀腺等部位的疾病，可以考慮買一份作為補(bǔ)充。\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E\u003Cstrong\u003E3.高危職業(yè)\u003C\u002Fstrong\u003E\u003C\u002Fp\u003E\n\u003Cp style=\"margin-bottom: 15px; line-height: 2em; letter-spacing: 1px;\"\u003E像礦井工人、防暴警察、消防員這些高風(fēng)險(xiǎn)職業(yè)，一般的醫(yī)療險(xiǎn)都無法投保，而長沙惠民保沒有職業(yè)要求，任何職業(yè)都能買。\u003C\u002Fp\u003E\n\u003C\u002Fsection\u003E",createTime:aB,view:1412,title:A,cover:"https:\u002F\u002Ffile.shenlanbao.com\u002F2021\u002F07\u002F27\u002F1419946227578101760.jpg",intro:aC,likesCount:B,preArticle:{id:"1503609124731944960",title:"有沒有肺部結(jié)節(jié)可以購買的重疾險(xiǎn)?"},nextArticle:{id:"1381917607208161280",title:"利多多增額壽險(xiǎn)下架預(yù)警，收益高嗎？值得買嗎？"},tags:[{id:"1419942751106203648",name:N,articleCount:B,often:B}],publishTime:"2021-07-27 17:02:12",articleTypeNames:j,createUser:"JoyTang 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