Compared with millions of medical insurance, high-end medical insurance also has an obvious disadvantage: poor renewal conditions. Although the premium of tens of thousands of yuan has been paid, the renewal of the insurance in the second year still needs to be reviewed by the insurance company, and there is naturally a risk that the insurance cannot be renewed. At present, many ordinary medical insurances in China do not need to be reviewed and renewed.
The characteristics of high-end medical insurance mainly include the following points: First, you can freely choose a hospital, that is, high-end people can freely choose a hospital that suits them, whether it is domestic public, private or foreign, foreign guests from major hospitals and foreign medical institutions. ; Second, the scope of medical services is relatively wide. High-end medical insurance covers general medical insurance such as Chinese medicine and even physical therapy, organ transplantation and cancer treatment can also be reimbursed, and hospitalization conditions are still relatively good, which can provide the best medical services; It can be paid directly, that is, the insured does not need to pay for the treatment in the online hospital, but is settled directly by the insurance company and the hospital, which is actually the main feature of high-end medical insurance.