There are all kinds of medical insurance on the market today, but there is one that is specifically tailored for the rich, and to meet the needs of people in the upper class, high-end medical insurance, came out of nowhere. High-end medical insurance is actually a type of commercial medical insurance that mainly reimburses medical expenses. High-end medical insurance guarantees several major requirements 1, reimbursement of large medical expenses 2, enjoy a better medical experience 3, enjoy a better quality of medical resources
High-end medical insurance is different from the ordinary medical insurance, the amount of coverage is very high, generally from 5 million to 20 million ranging, the coverage does not distinguish between inside and outside the social security, imported drugs and equipment payout ratio of up to 100%.
Hospital most famous "three long and one short" have you ever heard of?
Long queues, long waits for callers, long queues for medicines and short consultation times with doctors.
The advantages of high-end medical care are reflected in the "more high good fast save"
1, the protection of more
High-end health care coverage is very wide, small vaccine with the hospital bed fee, hospitalization and surgery, insurance The first thing you need to do is to get your hands dirty. Secondly, the small to the mainland private clinics, large to the world's top medical institutions, to go where to see where.
2, high coverage
5 million to start with, the top of the high-end medical can be done without a ceiling.
3, good experience
For example, if a pregnant woman is in labor, the hospital is a single room, and the family can be with the bed at any time, the director of the regular follow up, the dietitian with the diet, the service is in place, the environment is comfortable.
4, fast
In this medical society, it is difficult to get to the doctor, the problem of long queues is highlighted, enjoy the high-end health care, easy to book a specialist number of public or private hospitals, the real "through the back door," not to queue up the ultimate experience. The company's products and services are available in a wide range of colors and sizes, and are designed to meet the needs of the marketplace.
Save your heart, save your energy, save your money
The green channel is opened for medical treatment, hang up the popular expert number, customer service appointment is all taken care of, if you go to a foreign country to get medical treatment, the insurance company can also provide the patient transfer and overseas hospital docking exclusive service. The company also offers a network of direct payment, medical expenses by the insurance company and the hospital direct settlement, completely out of pocket.
High-end medical insurance , the average person can afford?
Introducing so many advantages of high-end medical insurance, does not sound very exciting? However, it is inevitable that some people complained that a price is worth a penny, and that they can't afford to buy it even if they say it's good!
In fact, high-end medical insurance products vary greatly in price, with premiums ranging from 10,000 to several hundred thousand dollars.
Below we will show you, the price from 10,000 to hundreds of thousands of high-end medical insurance, what is the difference?
The price of high-end medical insurance is mainly influenced by the geographical area of medical treatment, the scope of coverage and the scope of hospitals visited in this regard.
(1)
Generally speaking, the wider the area covered by high-end medical insurance, the more expensive the premium.
Prices vary greatly, especially if the policy includes the United States.
As we all know, the United States covers more than 70% of the country's top medical resources, and as we all know, all the costs of traveling to the U.S. for medical care are high, and the price is expensive for a reason.
(2) Coverage
High-end medical insurance covers outpatient, emergency, hospitalization and other basic responsibilities, but also includes other responsibilities such as pregnant women, the price will naturally go up.
Of course there are some high-end medical in order to get the mid-range users, the product downgrading, remove some of the outpatient and emergency responsibilities or set a limit on the amount of coverage, but still retain the benefits of hospitalization or private hospitals, so that the premiums naturally come down.
(3) Hospital Coverage
Including top-tier private hospitals like UFH, the price is naturally much higher.
If you choose a sub-high-end medical institution, the price will be relatively cheaper.
On the whole, high-end medical insurance is not like water in a mirror or a moon in your hand, but it is possible to get a high-end medical insurance policy that meets our needs, taking into account our actual needs and budget.
(4) Product Stability
It is worth noting that high-end medical insurance is also the same as other medical insurance, annual payment, the price will fluctuate. The main factor for the price fluctuation is that as we grow older, we face a higher risk of illness, and secondly, due to inflation, prices are rising, and it will only get more expensive to see a doctor, so the price increase for high-end healthcare is also in line with reality. But in comparison, the price fluctuation of high-end medical insurance is still limited, the product is more stable than ordinary medical insurance.
Why should I buy a high-end medical insurance for my child?
The hospital environment is very poor, poor ventilation is a common problem in many of the three hospitals, especially with children to see the parents understand the hard work, always can not help but worry about whether the child has to deal with the risk of infection. Once the child is sick the whole family worried, parents without exception hope that their children can be treated as soon as possible, at this time the purchase of high-end medical will allow you to avoid these concerns.
If you have already done enough critical illness, life insurance protection, and a generous budget, it is worth getting a high-end medical. After all, choosing high-end healthcare is the same as choosing a better quality lifestyle.
If you've been tempted, it's time to take action and search for "Baojun" on Baidu for immediate advice.