01 How to choose a reliable private hospital
1, high-end private hospital
High-end private hospitals, such as United Family, Ward Medical Center, Anken Medical, etc. They do not participate in national ratings and cannot be reimbursed by ordinary insurance. Their strong medical standards, high-end medical environment and equipment, and home-like service attitude correspond to high medical prices.
2. Ordinary private hospitals
What we see most in real life are actually ordinary private hospitals, among which there are many private hospitals with passing medical standards and excellent services. Dongguan Donghua Hospital, Xiamen Chang Gung Memorial Hospital, Suzhou Jiulong Hospital, etc. are all good top-level private hospitals.
3. Other private hospitals
We can also see many private hospitals in our lives, such as "xx Men's Department" and "xx Gynecology". It is recommended that you choose carefully. Most of these hospitals are chaotic, with different treatment fee standards and uneven treatment levels.
You can consider the second type of private hospital. If you want to be reimbursed for medical expenses in such hospitals, you need to configure high-end medical insurance for yourself and your family. After all, ordinary medical insurance hospitals are usually limited to the general departments of public hospitals of level 2 and above.
02 Which high-end commercial insurance product is better?
I will find several high-end medical insurances for you to compare and give you a reference. You can also refer to an article I wrote before about whether you should buy commercial insurance. What are some good medical insurance recommendations? A review of the top 20 best-selling high-quality medical insurance products in 2020
Pursuing cost-effectiveness: Lejian Lifetime mid-range medical care
You can stay in a special needs ward for more than 1,000 yuan, and the reimbursement range is wide, making it very cost-effective. And the configuration is flexible, with 8 packages, each package corresponds to different rates and services, so there is a lot of room for choice. For a detailed review of this product, you can read this article
Value medical services: Wanxin and Xinxiangsheng
It has direct payment services, no need to pay medical expenses in advance, and the medical service system is very mature, and reimbursable hospitals cover more than 80 cities and thousands of hospitals.
Frequent overseas business trips and travels: Fosun United’s Mingya Exclusive Health Protection Plan
It not only has a high insured amount, but also reimburses transportation expenses for medical treatment in other places and accommodation expenses for accompanying persons. According to different combinations, you can choose to seek medical treatment in Hong Kong, Macao, Taiwan or around the world.
03 I summarize
As people's living standards improve, good medical services and a good medical experience have gradually become one of the demands of some people. But meeting this demand requires high medical expenses. For people with high-end medical insurance, it is equivalent to paying a few thousand yuan in premiums every year, and they can get millions of insurance coverage that can be used to reimburse medical expenses in such hospitals, and an excellent service experience.
The China Banking and Insurance Regulatory Commission will regularly publish data on the services of various insurance companies. I have also compiled the latest data on the service quality of major insurance companies on my WeChat official account.