What are the factors that lead to the high-end medical insurance?
With the development of domestic economy, the pattern of high-income groups is growing. Because of their tight work and time, these people have a high demand for their own health and medical security, and at the same time they can't tolerate the problems faced by traditional public hospitals, such as "difficult registration, long waiting time and complicated environment", which leads them to prefer to go to foreign-funded, private or characteristic medical service institutions with good environment, so they launched high-end medical insurance to meet their needs.
In fact, providing health management for customers by professional health insurance companies is also an important factor for high-income groups to pay attention to high-end medical insurance products. Traditional medical insurance is mainly based on the compensation for outpatient, emergency and hospitalization expenses. Due to the characteristics of the national medical security system and system, insurance companies are more positioned to settle claims afterwards. Professional health insurance companies put forward the concepts of "pre-intervention" and "process control", especially "pre-intervention", which made these high-end customers truly prevent diseases. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
High-income people often have higher requirements for the quality of medical services. They are very concerned about the quality of medical institutions and the qualifications of professional doctors, and their demand for medical services is characterized by high-end and diversification, which is consistent with their pursuit of high-quality life and growing awareness of health. And high-end medical insurance just meets the needs of this group of people.
Present situation of high-end medical insurance
Compared with ordinary commercial health insurance, the scope of high-end medical insurance is not limited by the scope of social security at all, and the amount of expenses needs to start from one million dollars. Then, let's take a look at the current situation of high-end medical insurance: what kind of guaranteed medical insurance are there? Which is worth buying? Look at the hottest 10 insurance of insurance companies this year: what are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020
1. Not limited to hospitals: high-end people can freely choose their own public, private or foreign-funded hospitals, including foreign guests or special needs in major domestic hospitals, and are also allowed to choose foreign medical institutions for treatment. Under some agreed conditions, insurance companies can also bear round-trip air tickets.
2. Unlimited medical services: Not only the contents not covered by general medical insurance such as traditional Chinese medicine and physiotherapy, but also the high-end medical insurance covers hospitalization in single wards with separate bathrooms, including medical expenses for major diseases such as organ transplantation and cancer treatment, so that customers can enjoy the best medical services.
3. No longer distinguish between social security catalogs and non-social security catalogs: Insured people can concentrate on medical treatment without considering the constraints of social security. High-end medical and health insurance only distinguishes outpatient and hospitalization expenses, and reasonable and necessary non-social security drugs, imported drugs and imported medical equipment prescribed by doctors can be reimbursed. If the attending doctor thinks that the client needs some kind of medicine, the medicine is not only available in our hospital, but also in China. If the insurance company determines that it is an objective need for disease treatment, it can agree to bear the cost of overseas drug purchase.
4. Direct payment: This is one of the main signs of high-end medical and health insurance. The insured does not need to pay cash to see a doctor in the insurance direct payment network hospital, and it is directly settled 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.
5. High-end medical insurance can cover the special outpatient departments and special wards of all public and private hospitals in China.
After the products of insurance companies are continuously subdivided in the market, they almost meet the insurance needs of all levels and different age groups. Among them, many types of insurance launched by China Merchants Cigna have been warmly praised by consumers, especially its high-end medical products, which have a wide range of consumer groups.