Do you know the difference between high-end medical insurance and ordinary commercial medical insurance?
What's the difference between high-end medical insurance and ordinary medical insurance? Where is the high-end medical insurance? Let me tell you about it.
1. General medical insurance
This is an effective supplement to the basic medical insurance. Most of them are enterprise group insurance for employees. The coverage content is consistent with the basic medical insurance, and the reimbursement standard is greatly improved compared with the basic medical insurance. However, there are clear requirements and restrictions on hospitals and drug lists. It also includes commercial medical insurance provided by general insurance companies, such as critical illness insurance and hospitalization medical insurance. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
2. High-end medical insurance
High-end medical insurance has super high security, which has broken through the restrictions of basic medical insurance, such as designated hospitals for medical treatment and scope of medication. With high-end medical insurance, consumers can see doctors in special-needs clinics, international medical departments, private hospitals and expensive medical institutions like United Family according to their own needs, and the areas where they see doctors can be selected globally, and the scope of medication is basically unrestricted. They can also choose dental and maternity protection projects. In addition, you can also enjoy high-end value-added services such as direct payment for medical treatment, global emergency rescue, and secondary medical advice.
What are the advantages of high-end commercial medical insurance?
1. High coverage:
The insurance coverage of most products is above 8 million, and some products can reach 50 million.
2. Wide coverage:
High-end medical insurance can guarantee medical expenses worldwide. You can choose the corresponding protected areas according to your own needs, which can generally be divided into Chinese mainland, Greater China (Chinese mainland, Hong Kong, Macao and Taiwan), Asia, the whole world except the United States, and the whole world including the United States.
3. Wide coverage:
It can guarantee all the expenses of daily hospitalization and outpatient service, as well as obstetrics, dentistry, ophthalmology, physical examination, vaccines and so on.
4. The hospital has no restrictions:
You are free to choose your own public, private or foreign hospitals, including the international medical departments or special-needs clinics of major hospitals in China, or you can choose foreign medical institutions for treatment.
5. There are no restrictions on the types of drugs:
Imported drugs and reasonable drugs needed for treatment can be used.
6. Direct payment:
Through the cooperative medical network hospital of the insurance company, you can enjoy the direct payment service when you show your insurance card, that is, you only need to sign at the end of the visit, and you don't need to pay for it yourself. All expenses are settled by insurance companies and medical institutions, which saves the trouble of collecting claims information and claims afterwards.
The above is the whole content of this article, hoping to help you.
Related suggestions:
With high-end medical family insurance, the whole family is healthy and happy.
In life, people often go into such a misunderstanding that they don't have to take out any hospitalization insurance if they buy critical illness insurance. In fact, insurance experts revealed that if you want to fully protect your health, it is most appropriate to choose high-end medical family insurance. This kind of insurance combines various medical insurances to fully protect the health of yourself and your family and be a private "private doctor" around you. How to choose the high-end medical family insurance that suits you? What factors need to be considered when insuring? The following insurance experts will take you into high-end medical insurance to understand the hedging role of high-end medical family insurance. What kind of medical insurance are there? Which is worth buying? Look at the hottest 10 insurance of insurance companies this year: what are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020
High-end personal commercial medical insurance broadens the scope of general medical insurance. I just sorted out the relevant contents, hoping to help you: how to use social security and medical insurance? 1. Teach you how to apply for reimbursement!
Judging from the development history of medical insurance, medical insurance began in 1883 with the Labor Disease Insurance Law promulgated by Germany, which stipulated that workers whose wages are below the limit in certain industries should be forced to join the medical insurance foundation, and the foundation should collect the funds that workers and employers should pay. The rapid development of China's medical security system began around the founding of New China in the 1940s. According to the beneficiaries, it can be divided into urban medical security system and rural cooperative medical security system. With the increase of national wealth in the reform and opening up, the group insurance awareness of getting rich first is strengthened, and high-end personal commercial medical insurance is sought to fully protect the health of themselves and their families and prevent problems before they happen.