惠民保(bao)是(shi)為(wei)解決住院貴(gui)(gui)、吃藥(yao)貴(gui)(gui)問(wen)題(ti)，由地方政(zheng)府(fu)牽頭，在基本(ben)醫保(bao)的基礎上，地方政(zheng)府(fu)與保(bao)險(xian)公司合作推出的普惠型補充醫療保(bao)險(xian)。

惠民(min)保(bao)(bao)能夠在醫保(bao)(bao)的基礎上二次報銷，報銷包括住(zhu)院(yuan)費(fei)用(yong)和高(gao)額(e)自費(fei)藥品。惠民(min)保(bao)(bao)具(ju)有投(tou)保(bao)(bao)門(men)檻(jian)低、價格便宜、保(bao)(bao)額(e)高(gao)的特點，投(tou)保(bao)(bao)不限年齡、職業及(ji)健康狀況(kuang)，只(zhi)要是當地基本(ben)醫保(bao)(bao)的參(can)保(bao)(bao)人均可參(can)保(bao)(bao)。

惠(hui)民保作(zuo)為一(yi)(yi)款政府性質的(de)保險，購(gou)買條件是限(xian)制是非(fei)常少(shao)的(de)。這款產品不(bu)(bu)僅(jin)(jin)價格(ge)便(bian)宜、有著較高保額、而且門檻低，不(bu)(bu)僅(jin)(jin)沒有年齡(ling)限(xian)制和(he)工種職(zhi)業限(xian)制，而且對于患病(bing)住院有病(bing)史(shi)的(de)一(yi)(yi)類(lei)人也是有保障的(de)。

商業(ye)險(xian)(xian)(xian)(xian)分為很多種，有(you)醫療險(xian)(xian)(xian)(xian)、重疾(ji)險(xian)(xian)(xian)(xian)、防癌險(xian)(xian)(xian)(xian)、意外險(xian)(xian)(xian)(xian)等等，如果(guo)投(tou)保人(ren)購買(mai)的(de)商業(ye)險(xian)(xian)(xian)(xian)是(shi)醫療險(xian)(xian)(xian)(xian)的(de)話(hua)，那(nei)么(me)和(he)惠民保有(you)一些沖(chong)突；如果(guo)投(tou)保人(ren)購買(mai)的(de)是(shi)重疾(ji)險(xian)(xian)(xian)(xian)、防癌險(xian)(xian)(xian)(xian)、意外險(xian)(xian)(xian)(xian)的(de)話(hua)，那(nei)么(me)和(he)惠民保沒有(you)沖(chong)突。

簡(jian)單一點(dian)來說，惠(hui)(hui)民(min)保(bao)(bao)(bao)(bao)和醫(yi)療(liao)(liao)險(xian)(xian)(xian)(xian)(xian)都(dou)是(shi)報(bao)(bao)銷(xiao)(xiao)型保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)，惠(hui)(hui)民(min)保(bao)(bao)(bao)(bao)主要報(bao)(bao)銷(xiao)(xiao)的(de)(de)是(shi)社保(bao)(bao)(bao)(bao)范圍(wei)內個人自付部分費(fei)(fei)(fei)用(yong)(yong)及(ji)15種特定高(gao)額(e)醫(yi)療(liao)(liao)費(fei)(fei)(fei)用(yong)(yong)，醫(yi)療(liao)(liao)險(xian)(xian)(xian)(xian)(xian)也通常是(shi)報(bao)(bao)銷(xiao)(xiao)社保(bao)(bao)(bao)(bao)范圍(wei)內個人自付部分費(fei)(fei)(fei)用(yong)(yong)，而由于醫(yi)療(liao)(liao)險(xian)(xian)(xian)(xian)(xian)報(bao)(bao)銷(xiao)(xiao)的(de)(de)金額(e)不能超過(guo)被保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人實(shi)際花(hua)費(fei)(fei)(fei)的(de)(de)費(fei)(fei)(fei)用(yong)(yong)，且不報(bao)(bao)銷(xiao)(xiao)已經報(bao)(bao)銷(xiao)(xiao)的(de)(de)費(fei)(fei)(fei)用(yong)(yong)，所以當被保(bao)(bao)(bao)(bao)險(xian)(xian)(xian)(xian)(xian)人實(shi)際花(hua)費(fei)(fei)(fei)的(de)(de)費(fei)(fei)(fei)用(yong)(yong)已經通過(guo)醫(yi)保(bao)(bao)(bao)(bao)以及(ji)惠(hui)(hui)民(min)保(bao)(bao)(bao)(bao)全部報(bao)(bao)銷(xiao)(xiao)時，惠(hui)(hui)民(min)保(bao)(bao)(bao)(bao)就(jiu)會和醫(yi)療(liao)(liao)險(xian)(xian)(xian)(xian)(xian)存在一些沖突。

重疾(ji)險(xian)(xian)、防(fang)癌險(xian)(xian)、意(yi)外險(xian)(xian)因(yin)為是(shi)給付(fu)型保(bao)(bao)險(xian)(xian)，它不管被保(bao)(bao)險(xian)(xian)人實(shi)際花費(fei)了多少費(fei)用，只要被保(bao)(bao)險(xian)(xian)人發生(sheng)合同(tong)約定(ding)的保(bao)(bao)險(xian)(xian)事(shi)故，就會一(yi)次性(xing)按照(zhao)合同(tong)約定(ding)給付(fu)保(bao)(bao)險(xian)(xian)金，所(suo)以(yi)當被保(bao)(bao)險(xian)(xian)人購買的商業(ye)保(bao)(bao)險(xian)(xian)是(shi)重疾(ji)險(xian)(xian)、防(fang)癌險(xian)(xian)、意(yi)外險(xian)(xian)時，是(shi)不會和惠(hui)民(min)保(bao)(bao)產(chan)生(sheng)沖(chong)突的。

惠民保(bao)(bao)的主要投(tou)保(bao)(bao)方(fang)式是(shi)線上互聯網投(tou)保(bao)(bao)為(wei)主。我們(men)可以(yi)通過關注惠民保(bao)(bao)險微信公眾(zhong)(zhong)號進(jin)行投(tou)保(bao)(bao)即可。但是(shi)我們(men)投(tou)保(bao)(bao)的時候一(yi)定要認準官方(fang)入(ru)口，不要去(qu)個人的微信公眾(zhong)(zhong)號投(tou)保(bao)(bao)，以(yi)免(mian)中間出現騙保(bao)(bao)或者其他問題，導(dao)致后續無法(fa)理賠。

惠民保(bao)一般(ban)都(dou)有兩種(zhong)理賠方式，一個是線上(shang)，一個是線下。這兩種(zhong)理賠方式是通用的，任(ren)何(he)一個地方的惠民保(bao)都(dou)可(ke)以參考。

發(fa)票理賠(pei)申請書(shu)、身份證(zheng)、銀行卡、醫院(yuan)病(bing)歷（住院(yuan)病(bing)歷、門診(zhen)病(bing)歷、藥(yao)品(pin)處方(fang)、疾病(bing)證(zheng)明診(zhen)斷(duan)等(deng)）、醫療費用(yong)(yong)發(fa)票（醫療費原(yuan)始憑證(zheng)、費用(yong)(yong)清單、醫保結算單）、病(bing)理診(zhen)斷(duan)報告(gao)、免疫(yi)組化/基因檢測報告(gao)、藥(yao)品(pin)處方(fang)、藥(yao)品(pin)發(fa)票、藥(yao)品(pin)費用(yong)(yong)清單、事故材(cai)料等(deng)。