At this time, if you have high-end medical insurance, you can go to a private hospital or the international department or the special needs department to visit your children. Not only is there no environmental and time problems, but there is no need to worry about the cost.
First, why do children buy high-end medical insurance?
1. It's time to liberate parents: In our country, many couples need to go to work. As soon as a child is ill, one of them will take a long vacation, which will have a certain impact on his work.
2. Improve the efficiency of baby consultation: compared with other departments, pediatric resources are in short supply, but the number of patients is more than other departments, making it difficult to see a doctor (queuing for n hours, only less than 10).
3. Avoid cross-infection: There are many general staff in public hospitals, which is easy to cause cross-infection; Private hospitals or your hospitals can only see a doctor at the appointed time, so as to avoid population density and reduce the probability of infection.
4. Vaccine protection: Children need to be vaccinated regularly. Some parents who want to get imported vaccines will go to private hospitals to solve their problems. High-end medical insurance can directly underwrite imported vaccines, which is more worry-free.
Second, how to choose high-end medical care
1, coverage area selection
Optional coverage of high-end medical insurance includes: Chinese mainland, Greater China (mainland China, Hongkong, Macau and Taiwan Province Province), Asia, the whole world (except the United States and Canada) and the whole world.
If you travel abroad frequently and need to go abroad for medical treatment after you get sick, you can check the relevant protection. Of course, the choice of region will directly affect the premium: the wider the coverage, the more expensive the premium.
2. The choice of hospital.
In addition to the comprehensive departments of public hospitals and the international/special needs departments of public hospitals, high-end medical insurance can also choose ordinary private hospitals and expensive private hospitals. Similarly, the more hospitals inspected, the higher the premium.
In order to save money, I have to mention that private hospitals and your hospitals insured by major insurance companies are mainly concentrated in Beijing, Shanghai, Guangzhou and Shenzhen. For example, in non-first-tier cities, the value of choosing private hospitals may be limited, and the international department/special needs department of public hospitals can be considered.
In addition, in terms of direct payment hospitals, it is not that the more the better, but whether your city and the hospital you want to see are on the list of direct payment hospitals for this product.
3. Specific protection needs
High-end medical insurance, where is the high end? One of the key points is that you can choose maternity insurance, physical examination, vaccines, dentistry, ophthalmology and other medical insurance-this is a typical on-demand configuration.
For example, if you plan to get pregnant, pregnant mothers can consider maternity protection and go to private hospitals that don't need to queue up to provide caring services. Expensive expenses are covered by high-end medical insurance, which can greatly improve the integrity of 10 month from pregnancy to delivery. Medical experience. For some products, there is a special guarantee to go to the United States for distribution.
Three. Matters needing attention in insuring high-end medical insurance
1, insurance requirements
Some products cannot be independently insured for minors. Children aged 0- 17 can only be insured as affiliated insured, and extra premium is required. Enjoy the same protection treatment as major insurance companies.
2. The nature of compensation
Although the premium of high-end medical insurance is extremely high, it still follows the principle of loss compensation. The reimbursement amount will not exceed the actual medical expenses, so it is better to choose moderate protection. There is no need to blindly pursue the "super high" tens of millions of insurance coverage. After all, the higher the insurance coverage, the more expensive the premium.
3. No guarantee of renewal.
High-end medical insurance, like ordinary medical insurance, guarantees one year. There is no guarantee of renewal. The rate is adjusted every 5~7 years (the specific interval depends on different products), but the renewal of insurance will generally not be insured.
4. Not everything is included.
High-end medical insurance allows us to enjoy better medical resources, but it does not mean that there are no restrictions. High-end medical insurance, like millions of medical insurance, must reimburse "necessary and reasonable" expenses.
For example, plastic surgery required for accidents is guaranteed, but pure medical beauty is not. Remind everyone that it is important to see that every responsibility is exempted.
Fourth, children's high-end medical insurance recommendation
Product name: Yong 'an medical insurance for newborn children
Insurer: Wing On Insurance.
Yongan Insurance was established in 1996 with a registered capital of over 2.6 billion yuan. Anyone who knows about insurance knows that insurance companies have always been difficult, and stability is not a problem. This paper introduces medical insurance. Medical insurance is essentially a kind of service insurance. Let's pay attention to its medical service provider.
Service insurer: MSH
China MSH was founded in 200 1, and is the Asia-Pacific headquarters of MSH International. The four global regional headquarters are located in Paris, Toronto, Dubai and Shanghai. China MSH is naturally located in Shanghai.
Therefore, MSH is a global health service provider and has established cooperative relations with them, covering 65,438+050 countries, of which 265,438+090 are in China. They are the first service providers in China to cooperate with three authoritative companies. Its medical service network system is complete, which can provide services in 40 languages around the world.
As far as China is concerned, the well-known Jinglian and Sino-Japanese friendship are all on the list of cooperation, and they are also guaranteed to become their families and their services are guaranteed.
Product features:
1, 0- 17 can be insured separately (this situation is rare, and adults usually buy it with their children).
2. Covers hospitalization and outpatient service (plan C includes physical examination and vaccine), and there is no waiting period for outpatient service.
3. Outpatient appointment and direct payment service (too practical for children, no more tossing if they are sick)
4. Good after-sales service, MSH medical service pays directly in the network and pays first outside the network; Experts recommend appointments; Green pass for hospital operation; The second diagnosis and treatment in the world
Suitable for people: minors who live in Chinese mainland and want to enjoy high-quality and rich medical resources.
Protect what?
Hospitalization responsibility
1, inpatient and day care
Specifically: hospitalization expenses, operating room expenses, emergency room expenses, hospital bed accompanying expenses, ICU ward expenses, doctor consultation expenses, surgeon expenses and anesthesiologist expenses, nursing expenses, treatment expenses, examination expenses, hospitalization expenses, surgical dressing expenses, orthopedic surgery expenses, durable medical equipment expenses and ambulance expenses.
2. Special outpatient treatment
Renal dialysis treatment and malignant tumor treatment, including malignant tumor electrotherapy, chemotherapy, radiotherapy, tumor targeted therapy, tumor endocrine therapy, tumor immunotherapy and proton heavy ion therapy.
3. Subsidies for transportation expenses for medical treatment in different places
There is nothing in plan A, and plan B/C 10000 yuan.
4, outpatient responsibility (outpatient no waiting period)
Specifically, there are: doctor's fees, expert outpatient fees, prescription fees, laboratory fees, examination fees, emergency room fees, ambulance fees, and emergency dental treatment fees.
B/C plan additionally includes: large-scale examination fee, outpatient operation fee, physical therapy fee, Chinese medicine acupuncture homeopathy, and Chinese medicine treatment fee.
How much is the large-scale inspection fee?
Yong' an Cenozoic is very cost-effective in children's high-end series, and the cost is as follows.
Scheme A: 0- 17 years old, with a premium of 7,200 yuan.
Scheme B: 0- 17 years old, and the premium 12000 yuan.
Scheme C: Do not choose your hospital, 0-7 years old, 1.98 million yuan, 8- 17 years old, 1.3 million yuan; Choose an expensive hospital, 0-7 years old, 26,700 yuan, 8- 17 years old,17,000 yuan.
For example:
When Ms. Tang's daughter was 2 years old, she had a high fever at midnight. Ms. Tang took her children to the most authoritative emergency department in the city. This is a sleepless night. Ms. Tang never imagined that there would be so many people in 1 hospital this morning. What can be done in half an hour finally took three hours. Because there are too many patients to see, every link has to be lined up, and doctors are short of manpower. Obviously, the service can't come. When chatting with friends, friends recommend her to learn about high-end medical care, and she can go directly to Jinkako, Special Needs Department or private hospital.
According to Ms. Tang's needs, we matched her with Yong 'an Xinsheng Loan Medical Insurance Plan B.
We can provide inpatient and outpatient services for Ms. Tang's daughter, make an appointment before diagnosis and pay directly after diagnosis, and go to all public and legal private hospitals in Chinese mainland, except expensive hospitals.
Private hospitals like the following can make an appointment to pay directly:
Ms Tang Can took her children directly to a private hospital. If you need to transfer to the public again, the insurance company can help you make an appointment, which greatly saves time and energy and reduces the tossing of children when they see a doctor.
Our customized plan for Ms. Tang, the premium is 12000 yuan. By roughly comparing the price with the price of other high-end medical care, MSH chose hospitalization+outpatient service, and the premium was 14867 yuan. Compared with the premium of new loans, it is still cheap.
What is not guaranteed? Born happily, without taking care of the past, congenital, mental illness, hospice care, and moved to MSH to choose for those who need it.
Your hospital: Your hospital is an independent and more advanced existence than private hospitals.
For example, Eagle Pavilion Hospital in Singapore is a typical expensive hospital with strong privacy and advanced medical system. Eagle Pavilion Presidential Suite is about 36,000 RMB, and the cheapest quadruple room is 1300 RMB per night.
In plan C, you can choose a more expensive hospital, mainly in Beijing and Shanghai.
There are Harmony Family, New Century and Raffles in Beijing. These are very good private hospitals, especially United Family. Many celebrities will go to this hospital for privacy.
Shanghai has Baihui Medical Group, Shanghai Oriental International Medical Center and Shanghai Quankang Medical Center. In addition, there are Guangzhou, Shenzhen, Tianjin, Qingdao, Hainan, Chengdu, Suzhou, Nanjing and Dalian. If you have expensive demand, it is recommended to take a look at your permanent city and decide whether to cover it.
The above is the knowledge about children's high-end medical care. If you want a well-equipped insurance plan, you can find a professional insurance broker to provide services for yourself. You can search Baibaojun in Baidu. There are excellent domestic professional insurance brokers to choose from on Baibaojun platform.