The health insurance market is now too complex for most people to judge. The health insurance most people have access to is only the most common health insurance available to the public, which is just the tip of the iceberg of the health insurance system. Some high-end people always think they should be able to match high-end health insurance. The truth is, 99% of them are wrong. High-end health insurance really isn't always right for you.
All health insurance policies on the market today are divided into five types: general health insurance: inexpensive, ranging from a few dozen to a few hundred dollars. It is limited to public hospitals of the second level and above, except for special departments, VIP wards and international departments. School level insurance, million dollar medical insurance, ten thousand dollar medical insurance, etc. are all types of insurance on the market. Mid-range special medical insurance: a bit expensive, a few hundred to two or three thousand dollars. In addition to public second-level and above hospitals, the special needs department, VIP ward and international department of public hospitals can also be reimbursed. Domestic version of high-end medical insurance: Prices range from several thousand to tens of thousands of dollars. Reimbursement for high-end expensive private hospitals is added to the above mid-range specialized medical insurance. Asian high-end medical insurance: prices range from tens to hundreds of thousands of dollars. In addition to domestic public and private hospitals, hospitals in Asia can also be reimbursed. Global version of high-end medical insurance: prices range from 100,000 to several hundred thousand dollars. All high-end and top hospitals in the world can be reimbursed.
In the current period of global pandemic, it is best not to go abroad to cause trouble. It is safest at home. Therefore, this article focuses on analyzing the domestic versions of special and high-end health insurance and product selection ideas for these two modules. Thus, if you live in a secondary or tertiary city where there are no private hospitals in the city, you don't have to consider it. The domestic version of high-end medical insurance is also suitable for people in Tier 1 cities, such as those with local healthcare providers like Ward, WoS, Vileno, and Kahui. Before you buy it, you first need to decide which hospital you want to go to in the future.
The best option to focus on outpatient reimbursement is New Yan Insurance. This kind of outpatient reimbursement is totally different from the kind of three to four hundred dollar outpatient health insurance. The three or four hundred outpatient health insurance has a limit of 500 dollars per day and 100 dollars out of pocket. New Yanbao outpatient reimbursement has no daily limit and no deductible. The best option for second and third tier cities is the Beyond 2020 Special Edition. It is also understandable that this product is the most cost-effective special medical service in history and is cheap enough. In second- and third-tier cities such as Wuhan, it's not easy to get a bed in the general ward at Tongji Xiehe Medical College, for example, but there are beds in the special needs department. You can choose 70% reimbursement rate and the premium is very low. Purchasing special medical care arranges for services. I think the highest end medical insurance is critical illness insurance.