As a commercial medical insurance that breaks through universal health insurance, high-end medical care generally provides high-quality medical security and services for high-income groups such as artists and elites. What are its specific advantages? Next, a general analysis is made.
1, high coverage
High-end medical care is a consumer product that guarantees one year. The annual premium ranges from several thousand to several hundred thousand, and the insured amount is usually several million, and there are also tens of millions.
2. There are no restrictions on the choice of hospitals.
Hospitals that can be reimbursed for general medical insurance are generally designated hospitals, while high-end medical care can not only choose public, private or foreign-funded hospitals independently, but also choose major foreign guest hospitals, specialized hospitals and foreign-funded medical institutions in China.
3. Have rich medical services.
High-end medical care includes Chinese medicine and physical therapy, which is not available in general medical insurance. It can provide overseas medical treatment, hospitalization, outpatient service, organ transplantation, physical examination and other high comprehensive medical expenses, as well as personalized medical projects such as dentistry, ophthalmology and childbirth.
If the insured sees a doctor in the cooperative hospital of the insurance company, he can still enjoy the direct payment service, and the expenses can be settled directly by the insurance company and the hospital.
4. Break through the limitation of social security reimbursement.
Insured people do not need to consider the social security reimbursement limit when seeking medical treatment, and expenses such as imported drugs, imported medical devices and non-social security drugs can be reimbursed.
abstract
Although high-end medical care can provide better medical services and guarantees for the insured, the high annual premium is unbearable for ordinary people. In fact, the medical security needs of ordinary people can be met by millions of medical insurance every year. If you want to know which millions of medical insurance are cost-effective, you may wish to compare yourself: What are the good medical insurance recommendations? Inventory of 20 Best-selling Medical Insurance in 2020