First, what is high-end medical insurance?
High-end medical insurance is a kind of commercial medical insurance. Medical insurance mainly reimburses our medical expenses, but high-end medical insurance not only breaks through the limitation of social security coverage, but also makes a more comprehensive supplement to other commercial medical insurance coverage. High-end medical insurance is a kind of insurance specially designed for high-end people, with super high coverage, which can break through the national medical insurance restrictions and directly pay medical expenses, with wide coverage.
Second, the advantages of high-end medical insurance
1, high coverage
We often say that the coverage of millions of medical insurance is millions, while the coverage of high-end medical insurance can reach tens of millions.
2. A wide range of medical institutions.
High-end medical insurance broadens the scope of medical institutions. You can choose not only domestic hospitals, but also foreign ones. The special needs department of public hospitals, the international department or high-end private hospitals can all seek medical treatment.
3. Wide protection range
High-end medical insurance not only provides high medical expenses such as outpatient service, hospitalization and operation, but also reimburses the expenses of physical examination, dentistry, ophthalmology, childbirth and vaccine, and also enjoys insurance services such as health examination and emergency rescue. I just sorted out the relevant contents about buying insurance for physical examination, hoping to help you: Do you need a physical examination before buying insurance?
4. High quality medical services
When we see a doctor, problems such as difficulty in seeking medical treatment, poor environment and long waiting time are very common. High-end medical insurance can solve these problems for us.
5. Direct payment of medical expenses
General medical insurance needs to be paid in advance, but unlike high-end medical insurance, medical expenses can be paid directly. When medical expenses occur, the insurance company will directly advance the medical expenses for us. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
Third, the configuration of high-end medical insurance.
If you are a high-net-worth person with special medical habits in private hospitals and tertiary hospitals; Or stable high-income people, who want to get better medical resources in an emergency, can configure a high-end medical insurance for themselves, and can configure different protection schemes according to the needs of the insured.