Sickness insurance, medical insurance, disability income loss insurance and nursing insurance are four categories of commercial health insurance, and the most common one is medical insurance, also known as medical expense insurance. Among them, the medical expense insurance, which is specially designed for high-end people, exceeds the national medical insurance limit, pays directly for medical treatment and covers a wide range, is what we commonly call "high-end medical health insurance".
II. Introduction
1. Under the background of the new medical reform, insurance companies have launched innovative medical insurance products that break through the limitation of social security coverage. Many insurance companies have launched high-end medical insurance for individual sales, with a maximum coverage of 3 million yuan. Its biggest feature is that it breaks through the restrictions on the location of medical treatment and medication, and all the expenses of customers in the hospital can be reimbursed. But this kind of products are aimed at high-end customers, and the premium is also very high, ranging from several thousand yuan to tens of thousands of yuan. Ordinary people buy very little and don't have to buy it.
2, everyone's economic situation, risk prevention awareness and preferences are different, and the demand for health insurance is also different. Low-income people can only afford social security, and wealthy people often buy some commercial health insurance to make up for the lack of social security, while those middle classes have higher demand for commercial health insurance. Unfortunately, major insurance companies have not launched many products in high-end medical insurance before, and the personalized needs of some high-end people are difficult to meet.
Third, characteristics
1, which is not limited by social security scope.
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.
In addition, high-end medical insurance is generally not limited to designated hospitals, allowing high-end people to choose private and foreign hospitals and even international medical institutions that suit them. High-end medical insurance will also cover the contents that are not covered by general medical insurance such as traditional Chinese medicine and physiotherapy, even including the cost of mental illness treatment, so that the insured can enjoy the best medical services.
2. Break through the social security restrictions on medical treatment.
From the perspective of coverage, social medical insurance can only cover the medical expenses incurred in social security designated hospitals, and the scope of drug use is limited to social security drugs. Ordinary commercial medical insurance mostly refers to social security reimbursement, and its coverage is not high. The coverage usually only includes hospitalization expenses, operation expenses, etc. And outpatient and physical examination fees are usually not reimbursed, which can not meet the special needs of some people for special medical care, free choice of hospitals and self-funded drugs.
They can be freely combined according to their needs, and they can freely choose whether to purchase outpatient, obstetric, dental and physical examination responsibilities after insuring hospitalization responsibilities. In addition to outpatient service and hospitalization, the "Honor Year" of Sino-British Life Insurance also includes a variety of special medical insurance such as cancer treatment, renal dialysis treatment and prescription medical AIDS. Additional insurance can also include maternity, dentistry, physical examination and other daily medical care.
3, can guarantee or pay medical expenses.
Generally speaking, medical insurance reimbursement is that the insured pays the medical expenses in advance, and then is reimbursed by the insurance company with the relevant certification materials and invoices of the hospital. High-end medical insurance is more flexible in paying medical expenses.
It can provide direct payment, that is, it can be treated in nearly 100 designated medical institutions in China and nearly 3000 designated medical institutions abroad that cooperate with the company. For the relevant expenses within the scope of insurance liability, you can enjoy the direct payment of medical expenses without paying in advance, so as to avoid the need for treatment due to unexpected situations during business trips or trips and the inability to pay high medical expenses. It can provide the insured with the guarantee of hospitalization medical expenses, and the insured only needs to call the insurance company for authorization before hospitalization.
4. Unlimited medical services
Not only traditional Chinese medicine, physical therapy and other general medical insurance can be covered, but also high-end medical insurance can be covered. Hospitalization is also allowed to live in a single ward with a separate bathroom, and the expenses of major diseases such as organ transplantation and cancer treatment can also be reimbursed, so that the insured can enjoy the best medical services.
5. 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.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.