1, the basic medical insurance, also known as social health insurance, is one of China's health insurance is relatively mandatory, is organized and implemented by the government departments, which is characterized by a "wide coverage, low protection," the insurance program and standards and the various local policies. The insurance programs and standards are related to local policies. With the pension insurance, unemployment insurance, industrial injury insurance and maternity insurance is called "five insurance", the scope of insurance by the national government departments to provide, the cost of insurance is generally by the enterprise, the individual *** with the burden, the amount of insurance costs and personal income, the local policy has a direct relationship with the amount of insurance costs.
2, supplemental medical insurance or general commercial medical insurance: this is an effective complement to the basic medical insurance, is a type of insurance for business groups into the insurance, its coverage is consistent with the basic medical insurance, in the hospital, drug use directory have clear requirements and limitations, but the reimbursement standard has a greater increase, usually about 80% -100% of the amount of insurance, to improve the medical reimbursement of employees. Improved medical reimbursement treatment for enterprise employees. The cost of insurance is related to factors such as the protection program chosen by the enterprise and the number of insured people, and the enterprise usually bears the relevant costs.
3. High-end medical insurance, which is unique because it carries the word "high-end", is a comprehensive solution for medical protection. So what is the scientific definition of high-end medical insurance? It is a health insurance designed for high-end people with ultra-high coverage, breaking the limitations of basic medical insurance in terms of medical hospitals and medication coverage, special outpatient clinics, private medical institutions, the possibility of choosing the area of medical treatment worldwide, no limitations on the scope of medication, and the possibility of choosing dental, maternity, and other insurance coverage items, direct payment of medical treatment, and coverage of medical expenses of hospitals of the global network, among other features.
High-end medical insurance features and applicable population
The above tells what is high-end medical insurance, its features include higher coverage amount ceiling, the lower is 500,000 yuan, the higher is tens of millions of dollars, China Merchants XINNUO Huanhuan Global Supreme that is the hospitalization comprehensive coverage of 20 million, very prominent. The number of people insured by high-end medical insurance requirements are also appropriately lowered, can be individual and family coverage alone, or group insurance, the insurance cost is related to the policyholder's choice of program, age, coverage area and other relevant information. Insurance premiums generally range from 10,000 yuan to 50,000 yuan depending on program differences. Deeply favored by expatriates, corporate executives, private business owners, various types of business elites, entertainment stars and other high-income groups, the first choice to obtain global medical health protection.