China's affluent population continues to grow, and this group of people is highly interested in high-end medical insurance plans, hoping to enjoy customized high-end healthcare services after their hectic work schedules. According to a survey report, when it comes to dealing with unexpected financial risks, the biggest financial need of China's affluent is medical coverage for major illnesses, which is about 90 percent or more. According to some experts, China's affluent people have clearly realized the importance of high-end medical insurance, and they are particularly concerned about the long-term impact on the future quality of family life caused by major illnesses that will reduce the quality of life of the family, but also on the growth and education of their children, as well as on the support of their parents. Therefore, as the concept of healthcare insurance continues to improve, the affluent in China have a deeper need to protect themselves against financial risks caused by illnesses, and have the will and ability to pay more attention to the continuation of family responsibilities. How to choose the right insurance plan? Let's find out. How to buy insurance when your parents are old? I just happened to organize the relevant content, I hope to help you: buy insurance for parents elderly, must avoid these pits!
From the actual needs to enjoy high-end medical insurance
Both individual and family insurance program to follow the rules of insurance is: basic medical insurance, to accident insurance, then health insurance, and finally financial insurance. For the middle class, the biggest risk is the faltering of the family breadwinner due to accidents and illnesses. The premature death of one member of the family, resulting in the interruption of regular income, will bring about unbearable financial pressure on the rest of the family. According to the general pattern of income and protection needs of the middle class, usually about 10% to 20% of the annual family income can be used to purchase insurance. "Affluent people have higher requirements for the amount of protection, usually more than six times their own annual income is appropriate." So says Cai, a high-end insurance consultant at Merchants Trust. What kind of accident insurance with accidental medical treatment is available? Which one has more coverage? Which one is more worth buying? Let's take a look at what are some good accident insurance recommendations?2020 Hot Top 20 Quality Accident Insurance!
People can enjoy the three major features of high-end medical insurance
Feature one, high claim amount: high-end medical insurance programs are divided into different amounts, ranging from hundreds of thousands to tens of millions, of which the oneworld supreme hospitalization maximum comprehensive benefits up to 20 million, which is of great concern to the affluent;
Feature two, high quality service: Relaxed restrictions on special medical needs, free choice of hospitals, reimbursement of out-of-pocket medicines for these three links, including for Chinese medicine, physiotherapy, mental illnesses and other common medical insurance does not cover; hospitalization and maternity, outpatient, health checkups, ophthalmology and dentistry, and international emergency rescue services, dietitian consulting, personal care and a full range of guided medical care to meet the unique needs of the individual and the family; for the question of buying an insurance medical examination, I just organized the relevant content, I hope to help you: before buying insurance, in the end, do you want a medical examination?
Featured three, convenient direct payment medical: 1.1 million top medical institutions around the world (including the Asia-Pacific region) direct payment services (do not have to pay any cash, but by the insurance company and the hospital direct billing), the country has more than 268 public (60 tertiary hospitals) and private direct payment health care institutions, with the membership card directly to the world to any one of the partner hospitals to enjoy high-end health care services, the Improve the efficiency and experience of medical treatment. The right insurance program must be an indispensable protection in people's lives.