What is high-end medical insurance?
The so-called high-end medical insurance is specifically designed for people in need of a higher sum insured, with direct payment for medical treatment, able to break through the limitations of the national health insurance, able to go to other countries or regions to seek medical treatment of medical expenses insurance, usually consumer insurance. What are the best medical insurance policies with good coverage? Which ones are worth buying? Take a look at this year's top 10 hot insurance policies from insurance companies: what are some good medical insurance recommendations?2020 Hot Top 20 Quality Medical Insurance Inventory
What are some of the differences in how various insurance policies will handle the situation if you develop cancer?
One, the basic medical insurance: the advantage is that the threshold for participation in the insurance is low, but can only reimburse a certain range of medication, the reimbursement rate may be only 80%, if the large amount of medical expenditure out-of-pocket part of the still relatively expensive.
Two, including the million medical and other ordinary commercial medical insurance: million medical insurance and other commercial medical insurance is generally reimbursement insurance, need to pay for their own first and then apply for reimbursement to the insurance company. Insurance companies which is strong, I just happened to organize the relevant content, I hope to help you: the latest list! Top 10 insurance companies in the country
In addition, the problems of difficult access to doctors, long queues and technological constraints are still not well resolved.
Three, major illness critical illness insurance: major illness critical illness insurance is the benefit of diagnosis that is paid, to a certain extent, to solve the problem of money, if the medical treatment cost is higher, then the remaining out-of-pocket, the same is also did not solve the queuing, registration, famous doctors and hospitals to choose the problem, in a word, is the insured person to help less. What are the good big disease critical illness insurance recommendations, I happen to organize the relevant content, I hope to help you: the top ten insurance companies "worth buying" the popular big disease critical illness insurance inventory!
Four, high-end medical insurance:
1, medical direct payment: In general, high-end medical insurance have an exclusive medical card, the cost of treatment directly from the insurance company to the hospital, do not need to advance their own medical expenses, pay attention to the payment here is the full amount, not other medical insurance in the advance deposit and so on.
2, a wide range of geographical: high-end medical insurance according to their own needs to choose mainland China, Hong Kong, Macao and Taiwan, the world in addition to the United States and Canada, global coverage.
China's cancer treatment technology and the international developed countries there is still a gap between Canada, Japan, Australia, the five-year survival rate of up to 80% or more, but China's five-year survival rate of only 30.9%.
3, hospital choice is more free: high-end medical insurance can cover the domestic public hospitals of the general department, special department, international department, you can also choose foreign hospitals, private hospitals, and even some of the more sophisticated high-end medical insurance can choose the famous clinic, compared to the millions of medical insurance requirements of the public hospitals of the general department, the choice is more free.
4, the amount of coverage is very high: the general high-end medical insurance coverage is less than a few million, more than tens of millions of dollars, high-end medical insurance coverage on the market from 8 million to 63 million are available.
5, the protection is more comprehensive: from the outpatient, hospitalization, medical examination and so on can protect. In addition, the medication part is not only limited to social security drugs, but also drugs outside the social security, imported drugs, durable medical equipment, etc. As long as it is reasonable and necessary medical expenses can be reimbursed.