Compared with ordinary commercial health insurance, high-end medical insurance further relaxes the restrictions on special medical care, free choice of hospitals and reimbursement of drugs at one's own expense, which makes the insured more humanized and fully guaranteed, and is completely free from the restrictions of social security scope.
Feature 1: Safe high-end medical care is not limited to designated hospitals: high-end people are allowed to choose private and foreign hospitals that suit them or even go to foreign medical institutions for treatment.
Feature 2: Safe high-end medical care is not limited to medical services: for the contents not covered by general medical insurance such as Chinese medicine and physiotherapy, high-end medical insurance will also be guaranteed, and even the treatment expenses for mental illness can be reimbursed, so that the insured can enjoy the best medical services.
Feature 3: Ping An High-end Medical Care no longer distinguishes between social security catalogues and non-social security catalogues: it completely breaks through the social security restrictions, so that the insured person does not have to consider the social security constraints when seeking medical treatment, and concentrates on the treatment. High-end medical and health insurance only distinguishes outpatient and hospitalization expenses, and non-social security drugs, imported drugs and imported medical equipment can all be reimbursed.
Feature 4: Ping 'an high-end medical direct compensation: Direct compensation is different from advance payment (the traditional form of reimbursement after seeing a doctor first is called advance payment), which is one of the main signs of high-end medical health insurance. When the insured sees a doctor, he does not need to pay any cash, but is settled directly by the insurance company and the hospital. This method not only greatly facilitates customers' medical treatment, saves time and improves the efficiency and experience of medical treatment, but also is an important means for insurance companies to put claims in the first place.