Generally speaking, the premium of high-end medical insurance is paid for one year and guaranteed for one year, which belongs to consumption type. The biggest feature is that it can reimburse outpatient and inpatient medical expenses 100%; Public hospitals, private hospitals and international hospitals are not limited; Drug use and treatment services are not restricted; At present, the insurance coverage of the main products on the market is more than 8 million yuan, but the provisions of optional liability of insurance companies are different.
To this end, the author selected five popular high-end medical insurance in the market, with different ages and different premiums. It is particularly worth reminding that each company has different product coverage and different premiums. However, these high-end insurances are characterized by high coverage, high premium and comprehensive protection.
Take the 38-year-old lady as an example. The annual premium of the Global Diamond Exclusive Plan is 33,000 yuan, and the maximum annual insurance amount is 20 million yuan. China Ping 'an "Zunxin Global Supreme Plan" has an annual premium of 48,000 yuan, with an annual maximum insured amount of 3 million yuan; AXA Tian Ping's "Excellence Global Plan" has an annual premium of 43,000 yuan, with an annual maximum insured amount of 6,543,800 yuan; Allianz Insurance's "Diamond Supreme Global Guarantee" has an annual premium of 79,000 yuan, with an annual maximum insured amount of 6.5438+0.89 million yuan; The annual premium of ICBC-AXA Life Insurance "Premium Plan" is 59,000 yuan, with the maximum annual insurance coverage of 23.8 million yuan.
On the whole, the insured of the above five types of high-end medical insurance has no nationality restrictions, and all kinds of medical expenses such as intensive care unit fees, operating room fees and emergency room fees are paid in full, and outpatient treatment is basically all-inclusive.
Set a ceiling for covering special diseases.
In terms of special treatment, five types of high-end medical insurance have different degrees of protection for mental illness. Among them, ICBC AXA Life Insurance can extend psychiatric treatment for 30 days after the insurance plan comes into effect 12 months, with full protection; China Ping An insured 200,000 yuan, and the other three companies paid in full for high-end medical insurance. In addition, China Ping An and ICBC AXA Life Insurance both underwrite AIDS and its complications.
In terms of emergency medical transportation, the above five products all provide rescue services to varying degrees. Among them, ambulance helicopters are also provided locally; Except AXA Tian Ping, the above four companies all provide local ambulance services; ICBC AXA fully guarantees the repatriation and on-site burial of the remains, as well as one-night accommodation and emergency medical transfer fees. AXA Tian Ping can provide 24-hour emergency support service.
Judging from the scope of protection, China Ping An only includes "hospitalization+emergencies"; The other three products are "hospitalization+emergency+delivery". In terms of maternity protection, maternity includes prenatal examination, premature delivery, natural delivery, medically necessary caesarean section, postpartum review fee and treatment of pregnancy complications. The maximum amount of ICBC AXA Life Insurance is 89,000 yuan, and the total annual compensation limit of AXA Tian Ping is 90,000 yuan, and the waiting period is 12 months; The compensation limit of Allianz Insurance for each delivery complication is 6.5438+0.26 million yuan. ICBC-AXA Life also provides a guarantee of up to RMB89,250, and AXA Tian Ping provides 15 days of medical expenses for the baby.
Don't insure high-end insurance repeatedly. General insurance coverage is overlapping.
In fact, high-end insurance mainly lies in more comprehensive protection to meet individual needs, which also means that general disease protection is also included. Therefore, some insurance experts reminded to prevent repeated insurance. If it is a reimbursement project, it can only be reimbursed once, and the subsidized service will not be affected. Before going to Hong Kong for insurance, it was Hong Kong's critical illness insurance, and there was a certain overlap between Hong Kong's critical illness insurance and high-end medical insurance.
It is understood that sickness insurance and medical insurance belong to health insurance, both of which are based on the health of the insured, but they are different types of insurance. For critical illness insurance, Hong Kong insurance has obvious advantages and is absolutely competitive. For high-end medical insurance, although the insurance coverage in Hong Kong is not as wide as that in the Mainland, it is more targeted. The premium of high-end medical insurance in Hong Kong is cheap and the amount of protection is higher. You can also choose to pay medical expenses within a certain range, beyond which the insurance company will pay.
High-end medical insurance is mainly aimed at high-end customers. Both high-end medical insurance and general medical insurance are consumer insurance products. If it is not paid, the principal will not be refunded. People in the insurance industry suggest that if the economic conditions are average, there is no need to buy high-end medical insurance in view of the high annual premium. Some insurance company personnel explained that critical illness insurance is more targeted and high-end medical insurance is more universal. If funds are limited, it is recommended to allocate critical illness insurance and general medical insurance to achieve more comprehensive protection.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.