This time, if you have high-end medical insurance, you can visit your child in a private hospital or in the international and special needs departments. Not only are there no environmental or time issues, but you don't have to worry about the cost.
I. Why do children need high-end health insurance?
1. Free up parents' time: In our country, many couples need to work. Whenever a child is sick, one of them will have to take off most of the day, which will have an impact on work.
2, to improve the efficiency of the baby's visit: Pediatrics resources are tight relative to other departments, but the number of visits is more than other departments, it is difficult to see the doctor (queuing up for N hours, there are only less than 10) a few minutes to see the doctor)
3, to avoid cross-infection: Public hospitals have a lot of people in general medicine departments
4. Vaccine protection: Children need regular vaccinations. Some parents want imported vaccines and will settle for private hospitals. High-end medical insurance can directly cover imported vaccines, more worry.
Two, how to choose high-end medical
1, coverage area selection
The optional coverage of high-end medical insurance includes: mainland China, Greater China (mainland, Hong Kong, Macau and Taiwan), Asia, the world (except the United States and Canada), the world .
If you travel abroad frequently and need to seek medical treatment abroad when you get sick, you can check the relevant coverage. Of course, the choice of region will have a direct impact on the premium: the wider the coverage, the more expensive the premium.
2. Choice of hospitals
High-end medical insurance, in addition to public hospitals' general departments and public hospitals' international/specialty departments, you can also choose between general private hospitals and expensive private hospitals. Again, the more hospitals you check, the higher the premium.
In order to save you money, it is important to mention that private and expensive hospitals covered by major insurance companies are mainly concentrated in Beijing, Shanghai, Guangzhou and Shenzhen. For example, if you are in a non-Tier 1 city, the value of choosing private hospitals may be limited, so you can consider covering the international/special needs departments of public hospitals.
Also, when it comes to direct-pay hospitals, it's not the higher the number that's better, but rather whether the city you're in and the hospital you want to see are on the product's list of direct-pay hospitals.
3. Specific protection needs
High-end health insurance, what's high-end about it? One of the highlights is the ability to choose maternity coverage, medical checkups, vaccines, dental, vision, and other protection benefits not found in other health insurance policies - a classic on-demand configuration.
For example, if you're planning to get pregnant, expectant mothers can consider maternity coverage and go to private hospitals that don't require lines and provide attentive service. Expensive costs are covered by high-end health insurance, which can greatly enhance the integrity of the October from pregnancy to delivery. Medical experience. For some products, there are special guarantees to go to the United States for sub-versions.
Third, the considerations of insuring high-end medical insurance
1, insurance requirements
Some products can not be insured independently for minors. Children between the ages of 0-17 can only be insured as a dependent insured and will require additional premiums. Enjoy the same coverage benefits as the primary insurer.
2. Reimbursement nature
High-end medical insurance still follows the principle of loss reimbursement although it has a super high coverage. The amount of reimbursement will not exceed the actual cost of medical treatment, so it is better to choose a moderate coverage. There is no need to blindly pursue the "super high" tens of millions of dollars of coverage, after all, the higher the coverage the more expensive premiums.
3, no guarantee of renewal
High-end medical insurance and ordinary medical insurance, the same as one year, one year. There is no guarantee of renewal. Premium rates will be adjusted every 5 to 7 years (the specific interval depends on different products), but renewals are generally not re-underwritten.
4. Not everything is covered.
High-end medical insurance allows us to enjoy better medical resources, but it doesn't mean there are no limits. Like Medicare Advantage, it must cover "necessary and reasonable" expenses.
For example, plastic surgery required for an accident is covered, while purely medical aesthetics is not. As a reminder, it is very important to see every liability exemption.
Four, high-end medical insurance for children recommended
Product name: Yongan New Generation Children's Medical Insurance
Coverage company: Yongan Insurance
Yongan Insurance was founded in 1996, with a registered capital of more than 2.6 billion yuan. People who know about insurance know that insurance companies have always been difficult to do, stability is not a problem. This article introduces medical insurance. Medical insurance is essentially a service insurance. Let's focus on its medical service providers
Service underwriters: MSH
MSH CHINA was founded in 2001 and is the Asia-Pacific headquarters of MSH INTERNATIONAL. The four global regional headquarters are located in Paris, Toronto, Dubai and Shanghai. MSH CHINA is naturally located in Shanghai.
As such, MSH is a global health service provider with whom they have established partnerships covering 150 countries, 2,190 of which are in China. They are the first service provider in China to work with the top three authorities. Their medical service network system is complete and can provide services in 40 languages worldwide.
As far as China is concerned, big names such as Peking Union Medical College and China-Japan Friendship are on the list of cooperation, and are also guaranteed to become their family members with guaranteed services.
Product features:
1, 0-17 can be insured separately (this is rare, usually adults with children together)
2, covers hospitalization + outpatient (Plan C has medical checkups, vaccines), and outpatient with no waiting period
3, outpatient appointments and direct payment services (too practical for children, no more tossing and turning when sick)
4
Suitable for: Minors living in mainland China who want to enjoy quality and abundant medical resources
What's insured?
Hospitalization Liability
1. Hospitalization and Day Care
Specifically: hospital room and board, operating room fees, emergency room fees, companion beds, ICU room fees, physician's consultation fees, surgeon's fees and anesthesiologist's fees, nursing care, treatment, and examination fees, Inpatient drugs, and surgical dressings, orthopedic surgery, durable medical equipment, ambulance fees
2, special outpatient treatment
Kidney dialysis treatment, malignant tumor treatment, including malignant tumor electrotherapy, chemotherapy, radiation therapy, targeted tumor therapy, endocrine tumor therapy, tumor immunotherapy, proton heavy ion therapy
3. Transportation subsidies for outpatient visits
No for Plan A, 10,000 RMB for Plan B/C
4. Outpatient responsibilities (no waiting period for outpatient visits)
Specifically: physician's consultation fees, specialist outpatient fees, prescription drug fees, laboratory fees, examination fees, emergency room fees, and other fees.
Plan B/C has additional fees for: major checkups, outpatient surgeries, physical therapy, acupuncture and homeopathy, Chinese medicine
How much does a major checkup cost?
Yong An Xin Sheng Generation is very cost-effective in the children's high-end series, the costs are as follows
Plan A: 0-17 years old, the premium is $7,200
Plan B: 0-17 years old, the premium is $12,000
Plan C: without choosing expensive hospitals, 0-7 years old, $19,800, 8-17 years old, $13,000 ; choose expensive hospital, 0-7 years old, 26,700 yuan, 8-17 years old, 17,000 yuan
Example:
When Ms. Tang's daughter was 2 years old, she had a high fever late at night, and Ms. Tang carried her child to the city's most prestigious tertiary care emergency department. It was a sleepless night, Ms. Tang never thought that at 1:00 a.m., the hospital can also have so many people, half an hour to get things done, and finally got three hours, because to see a lot of patients, every part of the queue, the doctor is short of manpower is obviously not service over. In and friends spit, friends recommended that she go to understand the high-end medical, you can go directly to the gold card department, special needs department or go private hospitals.
Based on Ms. Tang's needs, we were able to match her with the MSH Forever Young Health Insurance Plan B
which provides Ms. Tang's daughter with inpatient and outpatient services, pre-diagnosis appointments, post-diagnosis direct billing, and access to all public and legal private hospitals on the mainland, except for the most expensive ones.
Private hospitals such as the following can be booked and paid for directly:
Ms. Tang can take her child to a private hospital directly. If there is a need to transfer to the public, the insurance company are able to help assist in making an appointment, which greatly solves the time and effort to reduce the child to see the doctor when the toss
We customized the program for Ms. Tang, the premium of 12,000 yuan, a rough comparison of prices, the price of other high-end health care, the price of the MSH Select inpatient + outpatient, the premium is 14,867 yuan. Once you compare the premiums of Hinseng Generation, it's still quite cheap.
What is not covered? Shinsegae doesn't cover pre-existing conditions, congenital, psychiatric, hospice, move to MSH Select if you need this.
Expensive hospitals: expensive hospitals are independent of private and more advanced than private existence
Singapore Gleneagles Hospital, for example, is a typical expensive hospitals, private and advanced medical system, Gleneagles presidential suite 10,000 about 36,000 yuan, the cheapest four people a night is 1,300 yuan
Xin Sheng Dai plan C, you can choose the expensive
Beijing has United Family, New Century, and Raffles, which are all very good private hospitals, especially United Family, where many celebrities go for privacy.
Shanghai has ParkwayHealth, Shanghai Oriental International Medical Center, and Shanghai Quan Kang Medical Center. In addition to this, there are Guangzhou, Shenzhen, Tianjin, Qingdao, Hainan, Chengdu, Suzhou, Nanjing and Dalian. There are expensive needs, it is recommended to take a close look at their own city of residence, whether it is covered before choosing oh.
The above is the high-end medical knowledge of children. If you want to configure a perfect insurance program, you can find a professional insurance broker to provide services to their own, you can search in Baidu Baobaojun, Baobaojun platform has a national excellent professional insurance broker to choose from.