Currently, more and more people are paying attention to insurance, which is worth encouraging. However, when buying insurance, many people still ask, which type of insurance is better? What should I pay attention to before buying?
Today, I will teach you how to correctly insure multi-million medical insurance and how to choose a good multi-million medical insurance.
Before the article begins, those friends who still don’t know much about the difference between medical insurance and various major types of insurance, please read this article first so that you can better understand the following:
"What are the differences between critical illness insurance, medical insurance, accident insurance and life insurance?" Will there be any conflicts during claims settlement? 》
1. Is medical insurance worth one million dollars a scam? Are there any advantages?
There are actually no pitfalls in million-dollar medical insurance. On the contrary, million-dollar medical insurance has many advantages.
1. The one-million-dollar medical insurance coverage is sufficient
I don’t know if you know that medical insurance itself also has a cap. Generally speaking, the cap is about 300,000. In fact, This means that once the reimbursement exceeds 300,000, you have to pay the rest yourself.
Therefore, for certain diseases that can easily cost hundreds of thousands or even millions of medical expenses, 300,000 is obviously too little.
In contrast, the coverage amount of million-dollar medical insurance is really abundant, and most of the insurance amounts are higher than one million. With sufficient insurance amount, we can feel more at ease. Get treatment.
2. The coverage of million-dollar medical insurance is very wide
Medical insurance can usually only meet basic medical needs, and the scope of protection is quite small.
For example, many special drugs, imported drugs, the latest medical equipment and services are not covered by medical insurance, and you need to pay for them yourself, and the prices of these things are Often very expensive.
Millions of medical insurance can solve this problem very well. It provides reimbursement services for special drugs that cannot be reimbursed by social security.
For many patients, this benefit of commercial medical insurance provides them with affordable and effective medicines without having to worry about medical expenses.
3. The reimbursement ratio of million-dollar medical insurance is high
Even if it is within the coverage, medical insurance will only reimburse part of it, and its insurance and reimbursement ratio is limited.
The expenses that patients need to pay out of pocket are the part that is beyond the reimbursement ratio of medical insurance, but this is not the case with million-dollar medical insurance.
After deducting the reimbursement from the medical insurance of one million yuan and deducting the deductible, the remaining amount can be fully reimbursed. This means that the patient can pay for the deductible part out of pocket.
"Since commercial medical insurance has so many benefits, can I use commercial insurance instead of social security?"
Friends who have this idea are very dangerous, so why not take a look first? This article:
"Do I still need to buy commercial insurance if I already have social insurance?" Can commercial insurance replace social security? 》
After knowing that there are so many highlights in the million-dollar medical insurance, let me talk to my friends about how to correctly choose million-dollar medical insurance.
2. How to choose a good million-dollar medical insurance?
Senior sister has already sorted it out. Just follow the following points and you can easily choose a good million-dollar medical insurance.
1. The protection content must be comprehensive
The key point of comprehensive protection is the most basic, because only in this way can risks be transferred very effectively.
When choosing a million-dollar medical insurance, you must pay attention to the fact that a series of hospitalization medical expenses, such as bed fees, diagnosis and treatment fees, treatment fees, surgery fees, etc., must be reimbursed. .
Special outpatient clinics must also be covered, such as outpatient renal dialysis and chemotherapy and radiotherapy for malignant tumors.
It is also necessary to take measures to safeguard outpatient surgeries. The so-called outpatient surgeries are surgeries that do not require hospitalization, such as operations to incise abscesses and remove breast fibroids.
Outpatient and emergency care before and after hospitalization must not be neglected. Nowadays, most million-dollar medical insurance on the market can cover outpatient and emergency care before and after hospitalization.
At present, the best insurance products can cover 30 days before and after hospitalization, so in this regard, we should choose one with a relatively long protection period.
Only a product that can provide the above protection contents at the same time can be regarded as a multi-million medical insurance with comprehensive protection.
2. Renewal conditions should be loose
Whether the renewal conditions are loose is also an important criterion for measuring whether a medical insurance product is good.
If a million-dollar medical insurance has relatively strict renewal conditions and is very difficult to purchase, then such a product will be useless no matter how good it is and how cost-effective it is.
It is best to have high-quality million-dollar medical insurance that has no problems with renewal and has relatively loose renewal conditions.
We will not refuse to renew the policy if the insured has made a claim or has a health problem.
This kind of product is a relatively outstanding product. You must choose this kind of million-dollar medical insurance as much as possible.
The issue of medical insurance renewal is a matter of course. The senior student cannot explain it clearly in a few words. You might as well open the expert’s super detailed analysis and take a look:
"Medical Insurance Renewal" How to do it and what should you pay attention to? One article analysis! 》
3. Value-added services must be in place
Value-added services generally refer to medical advances, green channels for medical treatment/critical illness, proton and heavy ion therapy, etc.
Advance payment of medical expenses can help alleviate the embarrassment of suddenly being in urgent need of money and being unable to pay. As long as the corresponding information is sorted out, our insurance company can help us advance the expenses first and reimburse them later. The fees will be settled at the time.
The green channel for medical treatment/serious illness can properly solve the following problems: solving the difficulty of registration, difficulty in seeing a doctor, etc. It is indeed of great effect.
Compared with traditional chemotherapy, proton and heavy ion therapy technology has better therapeutic effects. Treatment requires a lot of money, but it is not covered by medical insurance. If only one million medical insurance could have such The service is quite good.
The value-added services of millions of medical insurance are good only if they are in place, so that we can be more thoughtfully protected.
Summary: Millions of medical insurance not only has no problems, but also has many advantages, such as wide coverage and high reimbursement ratio.
If we are going to buy a million-dollar medical insurance, friends should pay careful attention to whether the product has comprehensive protection, whether it can guarantee renewal, and whether it has considerate value-added services.
Write it at the end
I am a top scholar who talks about insurance, focusing on objective, professional and neutral insurance evaluation;
If the above content has not solved your problem For questions, you can also consult me ??on the official account Xueba Talk Insurance;
I will give you the most professional advice based on my years of experience in configuring insurance for 10W+ families.
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