So what are the features of high-end medical insurance?
1. Not limited by social security coverage
High-end medical insurance further relaxes the restrictions on special medical needs, free choice of hospitals and reimbursement of out-of-pocket expenses for medicines, so that the insured person's access to medical treatment is more humanized and can obtain more adequate protection.
In addition, high-end medical insurance is generally not limited to designated hospitals, which allows consumers to choose private or foreign-funded international hospitals, thus enjoying the best medical resources.
2. Guarantee or payment of medical bills
Generally, the reimbursement nature of the medical insurance policy allows consumers to pay for their own medical bills first, and then use the medical bills to reimburse the medical bills.
This kind of advance payment and then reimbursement can reduce the financial burden, but it is difficult to solve the urgent needs, and is not very friendly to families who have difficulty in coming up with so much money for medical treatment at the moment.
High-end medical insurance generally has a direct payment function, which can avoid the above situation of not being able to come up with the medical expenses and not being able to seek timely medical treatment, and the insurance company will pay the medical expenses directly first, so that the patient's family no longer needs to pay the medical expenses first.
3. Wide range of coverage
High-end medical insurance has a wide range of coverage, not only for traditional Chinese medicine, physiotherapy and other elements not covered by ordinary medical insurance, but also for organ transplants, cancer treatments, and other major illnesses can be reimbursed.
The premiums for high-end medical insurance are expensive, although the coverage is very good, so it is not applicable to everyone.