At present, there are all kinds of medical insurance on the market, but one kind of insurance is tailored for the rich. In order to meet the needs of the upper class, high-end medical insurance came into being. High-end medical insurance is actually a kind of commercial medical insurance, mainly for reimbursement of medical expenses. Several requirements for high-end medical insurance: 1, reimbursement of large medical expenses, 2, better medical experience and 3, better medical resources.
High-end medical insurance is different from ordinary medical insurance, with a high coverage ranging from 5 million to 20 million. The scope of protection is not divided into internal and external social security, and the compensation ratio of imported drugs and equipment is as high as 100%. General public hospitals enjoy payment in international departments, special needs departments and private hospitals, and are exempt from complicated reimbursement procedures.
Have you heard of the most famous "three long and one short" in the hospital?
Long queue time, long waiting time, long queue time for taking medicine and short consultation time for doctors.
The advantage of high-end medical care is reflected in "how high, how fast and how cheap"
1, multiple guarantees
High-end medical care covers a wide range, from the cost of vaccination to hospitalization, and insurance is unified. Secondly, from private clinics in Chinese mainland to top medical institutions in the world, you can see where you have been.
2. High insurance coverage
Starting from 5 million yuan, the top high-end medical care can achieve unlimited insurance coverage.
Step 3 have a good experience
For example, pregnant women are hospitalized in single rooms, and family members can accompany the bed at any time. The director will follow up regularly, the nutritionist will match the diet, the service is in place and the environment is comfortable.
Step 4 seek medical attention quickly
In this medical society, it is difficult to see a doctor, and the problem of long queues is outstanding. Enjoy high-end medical care, easily make an appointment with experts from public or private hospitals, and truly realize the ultimate experience of "going through the back door" without queuing. In times of crisis, emergency rescue is on call, and quality service responds quickly.
Save worry, effort and cost.
Open a green channel for medical treatment, hang the number of popular experts, and make all customer service appointments. If you go abroad for medical treatment, the insurance company can also provide exclusive services for patient transfer and docking with overseas hospitals. At the same time, you can enjoy online direct payment, and the medical expenses are directly settled by insurance companies and hospitals, so you don't have to pay for it yourself.
Can ordinary people afford high-end medical insurance?
Having introduced so many advantages of high-end medical insurance, does it sound exciting? However, some people can't help but vomit, a price is one point, and no matter how good it is, it can't afford it!
In fact, high-end medical insurance products are different, and the prices vary greatly. The premium ranges from 1 1,000 to several hundred thousand.
Let's take a look at high-end medical insurance with prices ranging from 10 thousand to hundreds of thousands. What is the difference?
The factors affecting the price of high-end medical insurance are mainly in the area of medical treatment, the scope of protection and the scope of hospitals.
(1) medical area
Generally speaking, the wider the area covered by high-end medical care, the more expensive the premium.
In particular, whether the insurance policy includes the United States or not, the price varies greatly.
As we all know, the United States covers more than 70% of the country's top medical resources. We all know that going to the United States for medical treatment is expensive and expensive.
(2) scope of protection
High-end medical insurance covers basic responsibilities such as outpatient, emergency and hospitalization, as well as other responsibilities such as pregnant women, and the price naturally goes up.
Of course, there are also some high-end medical services to obtain mid-range users, reduce the product dimension, remove some emergency responsibilities or set insurance limit, and retain the income of hospitalization or private hospitals, so the premium will naturally come down.
(3) the scope of the hospital
Including top private hospitals like United Family, the price is naturally much higher.
If you choose a second high-end medical institution, the price will be relatively cheaper.
Generally speaking, high-end medical insurance is not a flower in the mirror, and the month in hand is generally out of reach. Combined with the actual needs and budget, you can also choose high-end medical insurance that meets your own needs.
(4) product stability
It is worth noting that high-end medical insurance, like other medical insurance, has to pay fees every year, and the price will fluctuate. The main factor of price fluctuation is that the risk of disease increases with our age. Secondly, due to inflation, prices are rising, and it will only become more and more expensive to see a doctor, so the price increase of high-end medical care is also realistic. But in comparison, the price fluctuation of high-end medical insurance is still limited, and the products are more stable than ordinary medical insurance.
Why do you have to buy a high-end medical insurance for your child?
The medical environment in hospitals is very poor, and poor ventilation is a common problem in many top three hospitals. In particular, parents who take their children to see a doctor understand the hardships and can't help but worry about whether their children are at risk of cross-job infection. Once the child is ill, the whole family is worried, and parents all hope that the child can get treatment as soon as possible. The high-end medical care purchased at this time will help you avoid these worries.
If you have done enough serious illness, life insurance and generous budget, it is worthwhile to start a high-end medical care. After all, choosing high-end medical care is equivalent to choosing a better lifestyle.
If you are moved, it is better to act immediately. Baidu searches for "Baibaojun" and consults immediately.