1. The insurers are different. Dalian general illness insurance is underwritten by nine insurance companies, including China Life Insurance, PICC P&C Insurance and Ping An Pension, while Dalian Gonghui Insurance is underwritten by Ping An Pension Dalian Branch.

2. The coverage of the two is different. Dalian Universal Insurance mainly covers out-of-pocket expenses of hospitalized individuals, while Dalian Industrial Insurance provides three protection schemes. Out-of-catalog scheme can cover inpatients' out-of-pocket expenses+15 kinds of special drugs, while in-catalog scheme can cover inpatients' and special drug expenses +57 kinds of high-value drugs, and comprehensively cover out-of-catalog and in-catalog contents.

3. They have different health requirements for the insured. Dalian general disease insurance is not limited to health insurance, that is, it can be insured in spite of illness; Dalian Gonghuibao stipulates that the four past diseases stipulated in the insurance contract cannot be insured.

1. "Work-for-relief insurance" is a system design that can effectively reduce the burden of medical expenses of employees' families, solve the risk of poverty and return to poverty caused by high medical expenses of employees suffering from serious diseases, and build a multi-pillar medical security system for employees' families.

Second, how to insure Dalian Gonghuibao?

Anyone who participates in the basic medical insurance for urban workers in Dalian and the basic medical insurance for urban and rural residents in Dalian, regardless of age, occupation and household registration, can pay attention to the official account of "Dalian Gonghuibao" WeChat or the online exclusive QR code of WeChat scanning publicity materials, which is convenient for insurance.

The four serious past diseases are:

1. Tumors: malignant tumors (including carcinoma in situ), leukemia and lymphoma.

2. Liver and kidney diseases: renal insufficiency, liver cirrhosis and liver insufficiency.

3. Cardiovascular and cerebrovascular diseases and glucose and lipid metabolism diseases: ischemic heart disease (including coronary heart disease and myocardial infarction) and chronic cardiac insufficiency (cardiac function grade III and above); Cerebrovascular diseases (cerebral infarction, cerebral hemorrhage) and hypertension (grade 3); Complications of diabetes.

4. Lung diseases: chronic obstructive pulmonary disease, chronic respiratory failure.