In China, with the development of the domestic economy, the size of the high-income group, including a group of corporate executives, private entrepreneurs, entertainment stars, and elites, has been expanding. Due to the high intensity of work and time constraints, they have a high demand for their own health and medical protection, as well as an intolerance of the problems faced by traditional public hospitals, such as "difficult registration, long waiting time, and miscellaneous environments", and therefore prefer to go to foreign-funded, private, or special medical service organizations with a good environment.
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So, following the launch of the first high-end medical insurance products in China in 2005, high-end medical insurance has developed very rapidly in China, and is becoming the new favorite of high-income people, the business model of high-end insurance still needs to be explored and perfected. Although the business model of high-end insurance still needs to be explored and perfected, China's high-end medical insurance market will follow the development of the whole macro-economy and grow at a high speed.
Medical insurance is a kind of insurance to compensate for the medical expenses caused by illnesses, and is mainly graded into: basic medical insurance, supplementary medical insurance and high-end medical insurance. Among them, high-end medical insurance is a comprehensive solution to the medical protection of the insurance, breaking through the basic medical insurance medical hospitals, the scope of medication restrictions, generally available in special outpatient clinics, private medical institutions, and the consultation area can be a global choice, the scope of medication is basically unrestricted. For the health insurance reimbursement strategy, I just happened to organize the relevant content, I hope to help you: social security health insurance how to use? An article to teach you to apply for the reimbursement process!
At present, for the definition of high-end medical insurance, there is no clear definition, mostly generalized, generally refers to high-income, high security, high social class, high standard requirements for high-end people to provide fine, high-quality medical services, representing the quality of medical services (high technology, high service) of the high-grade and high-end service objects.
Medical insurance has many benefits. Policyholders get coverage through prepayment of premiums, which can weaken the financial impact on policyholders when a serious illness comes; insured people can get timely treatment when they are sick, speeding up recovery and helping to improve people's overall health. Medical insurance reduces risk over time and improves the health of society as a whole.
High-end health insurance, the insured often have higher and more complex requirements for insurance. Their primary concern is not the amount of premium but whether the insurance liability is extensive, whether the choice of hospitals is free, whether the insurance service is professional and whether the insurance is internationalized will be the key consideration.
Previously, China's high-end medical insurance was mainly for expatriates working in China, some Chinese executives, and expatriate staff. As people's incomes grow and living standards improve, basic medical insurance can no longer meet their needs, and high-end medical insurance is slowly coming into the limelight.
In order to raise premiums and ensure profits, insurance companies usually establish good relationships with very good hospitals. On the one hand, by cooperating with good hospitals, insurance companies can provide insured people with better and more assured service and improve satisfaction; on the other hand, hospitals can continue to attract high-quality sources of patients and don't have to worry about the cost of seeing a doctor, and reduce the risk for the insurance company to ensure profits. Which is the strongest insurance company, I just happened to organize the relevant content, I hope it will help you: the latest list! Ranking of the top ten insurance companies in China
The characteristics of China's high-end medical insurance that distinguish it from social medical care and ordinary commercial insurance are as follows:
1, international in nature. Not limited to countries and regions.
2, unlimited categories of medication. It is possible to use imported medicines and medicines reasonably needed for treatment.
3, high coverage. Most of the product coverage is more than 8 million, and some products will even exceed 20 million.
4, direct compensation. There is a global cooperative hospital direct payment service, that is, no need to bring cash to the doctor, the insurance company directly with the hospital settlement.
5, unlimited hospitals. High-end people are free to choose their own public private or foreign hospitals also include major domestic hospitals foreign guests or special needs are also allowed to choose foreign medical institutions.
6, high-end service professional attentive. Hourly medical consultation and assistance service hotline to assist with medical appointments and second medical opinion services around the clock private doctor-type high-end services to meet the customer's noble needs.
7, there are family plans and maternity plans, maternity plans generally have a waiting period of at least 12 months, that is to say, to plan a year in advance of the insurance.
High-end medical insurance, the premium delivery method for the payment of one year to insure one year, is a consumer insurance, specifically, you pay 10,000 premiums this year, the results of a year you do not see a doctor, this part of the money all belong to the insurance company. The second year to continue to renew the insurance, but once sick during the insurance period, basically 100% reimbursement, they do not have to pay any fees. One of the biggest features of high-end medical insurance is 100% reimbursement of outpatient, hospitalization and other medical expenses; access to hospitals are not limited; medication and treatment services are not limited; high coverage, the current market major products coverage are more than 8 million.
In accordance with the international definition of high-end medical insurance design, generally meet the following description of the crowd will be more suitable for the purchase of high-end medical insurance products:
1, enterprise and public institutions executives, the core backbone of the people and their families to buy medical welfare products;
2, the private sector entrepreneurs, to buy the ideal medical insurance plan for themselves and their families;
3, high
4, people who have the habit of visiting private hospitals and tertiary specialized hospitals;
5, people who are planning to have a baby and want to provide a good medical environment for the baby in the future;
6, individual buyers and families with an annual income of more than 50W.
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