High-end medical insurance is a kind of medical insurance that can be customized for high-end people, with the advantages of comprehensive coverage, ultra-high insurance amount, and considerate service, but high-end medical insurance premiums are also relatively high. It can fully meet the health needs of high-end people, so this kind of insurance has great potential for development in the market.
In recent years, China's rapid economic growth has created a large number of high-income people, and after people's economic capacity has increased, they have begun to pursue more and more quality of life. At present, China's high-end medical insurance market has a history of more than ten years, many insurance companies have this kind of insurance to choose from, foreign insurance companies have also entered the Chinese market. Since this type of insurance is designed for high-end people, high-end medical insurance premiums are relatively expensive. Which is the best insurance company, I just happened to organize the relevant content, I hope it will help you: the latest list! Top 10 insurance companies in the country
Features of high-end medical insurance
Feature 1: High-end medical insurance premiums are usually around tens to hundreds of thousands of dollars, and even more can reach tens of millions.
Feature 2: This kind of insurance is not limited to hospitals, that is to say, the policyholder can want public, private, or foreign hospitals for treatment, in short, wherever the policyholder wants to be treated, he or she can be treated. Their treatment costs are reimbursed up to the insured amount.
Feature 3: There is no limit to the number of medical services that can be provided when treating a disease, and the insured can choose from a variety of medical programs such as traditional Chinese medicine, physiotherapy, and other medical programs that are not covered by general medical insurance. In addition, the insured person can choose the ward according to the need when he is hospitalized, that is to say, only the hospital has the ward, the insured person can choose. And all of them can be reimbursed within the insured amount.
Feature 4: No need to distinguish between social security catalogs and non-social security catalogs: High-end medical insurance can completely break through the various restrictions of social security, the insured person in the hospital treatment, do not have to think about which medical items are reimbursed, which medical items are not reimbursed, and the doctor in the prescription of medicines, can be more free, do not have to think about which medicines are reimbursed, and the prescribed medicines are completely based on the patient's condition. medicines based solely on the patient's condition. 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!
Feature 5: After the purchase of high-end medical insurance after the occurrence of the condition, go to the hospital is a direct claim, rather than ordinary insurance is the kind of need to the policyholder to advance their own, and then take the hospital bill to the insurance company to claim the kind of model. The policyholder to go to the hospital, do not have to carry cash to see the doctor, but the hospital directly to the insurance company to settle the bill, this model greatly facilitates the treatment process of the policyholder, can be convenient and carefree to go directly to the hospital to save time, we all know that sometimes sudden illnesses when the time is the most valuable.
Feature 6: thoughtful service, all-weather service system, can be 24 hours a day for the policyholder service, in the policyholder in the hospital treatment, can provide professional medical advice, equivalent to the policyholder more than a private doctor.
Market reaction to high-end medical insurance
According to the advice of insurance experts at home and abroad, successful people with the conditions can choose high-end medical insurance, because this kind of insurance covers a lot of illnesses and a wide range of coverage, and you can choose hospitals for treatment completely according to your own situation and your own condition, which gives you more There is more room for choice. So the insurance market for high-end medical insurance needs are still relatively strong, there are many insurance companies in the market to provide high-end medical insurance services, we can choose from high-end medical insurance premiums and services to synthesize.