Where is the “high end” of high-end medical insurance?
The insured amount is very high: the insured amount of high-end medical insurance is not less than 2 million, and some products reach tens of millions. The high insurance amount protects the insured's various medical needs, and the insured's medical expenses can be met if he chooses a tertiary hospital, a private hospital or a foreign hospital.
Premiums are very high: There is a saying in the industry that high-end medical insurance is only for wealthy people. Although it is biased, it is not unreasonable. Why? Because high-end medical insurance is very expensive, its premiums are very high, thousands or even tens of thousands per year, and some products even cost as much as hundreds of thousands per year.
What kind of protection can high-end medical insurance with high insurance coverage and high premiums bring to the insured? This brings us to the advantages of high-end medical insurance.
What are the advantages of high-end medical insurance?
The biggest advantage of high-end medical insurance is service and protection. ?
The medical insurance we are familiar with is reimbursement type. You pay in advance yourself and then ask the insurance company for reimbursement with the receipt. High-end medical insurance is different. It can be paid directly by the insurance company. Friends who have been exposed to car insurance should be familiar with it. Nowadays, when many insurance companies make car insurance claims, the insurance companies and 4S stores pay directly. The car owner does not need to pay for repairs in advance. This is a direct insurance claim in car insurance claims.
High-end medical insurance achieves "direct insurance compensation".
When the insured takes reasonable medical action, the insurance company will bear the medical expenses and does not require the insured to advance. I believe this can be said to have played a very big role in treating serious illnesses that often cost hundreds of thousands or even hundreds of thousands.
More hospital choices and services.
Hospitals with medical insurance and million-dollar medical insurance usually have their own requirements, such as Grade II A and above hospitals and designated hospitals. However, high-end medical insurance is more superior in this part, and is not limited to hospitals. Private hospitals such as United Family Hospital, many even have direct reimbursements with foreign hospitals. Just imagine, when you can receive more advanced treatments, you don’t have to worry about drug costs. Even if such high-end medical insurance is more expensive, it is still acceptable.
The coverage is broader and not limited to surgical treatment.
Providing protection for surgical treatment is a kind of protection provided by medical insurance, but high-end medical insurance is not limited to this. For example, physical examinations, dental visits, vaccines, etc. are all covered, and most products have zero deductibles. Seeing so many advantages, I have to say that high-end medical insurance is expensive. How do the vast majority of ordinary people who cannot afford high-end medical insurance configure medical insurance? Let’s talk about one-million-dollar medical insurance. Although Million Medical Insurance does not achieve the perfection of high-end medical insurance, Million Medical Insurance does increase the options for medical insurance.
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