High-end medical insurance is a commercial medical insurance specially designed for the insured in need, which breaks through the national medical insurance restrictions, medical experience and medical direct payment, and medical resource allocation. Generally has the following characteristics:
1, with sufficient coverage.
High-end medical care is a consumer insurance product that pays a one-year fee for one year. The annual premium ranges from several thousand to several hundred thousand, and the insured amount is usually several million, and there are also tens of millions.
2. There are no restrictions on the choice of hospitals.
Hospitals that can be reimbursed for general medical insurance are generally designated hospitals, but high-end medical care not only has public, private or foreign-funded hospitals to choose from, but also can choose domestic foreign guest hospitals, specialized hospitals and foreign medical institutions.
3. Abundant medical services
High-end medical care includes Chinese medicine and physical therapy, which is not included in general medical insurance. Provide overseas medical treatment, hospitalization, outpatient service, organ transplantation, physical examination and other high comprehensive medical expenses, as well as personalized medical items such as dentistry, ophthalmology and childbirth.
If the insured sees a doctor in the cooperative hospital of the insurance company, he can enjoy the direct payment service. As long as he swipes the card and signs it, the insurance company will directly settle the hospitalization expenses.
4. Break the limit of social security reimbursement.
Insured people do not need to consider the reimbursement limit of social security when seeking medical treatment. High-end medical care can reimburse the expenses of non-social security drugs, imported drugs and imported medical equipment.
What high-end medical insurance is worth buying? Please read this article: "202 1 high-end medical insurance worth buying!" 》
Summary:
If you pursue a better medical experience and medical resources, then high-end medical insurance is undoubtedly a good choice.
Although high-end medical care can provide better medical services and security for the insured, many working families still can't afford the high annual premium. In fact, a few hundred dollars of medical insurance in a few million years can also provide the needed medical security. If you want to know which cost-effective millions of medical insurance are, you must compare them: "Super complete! Domestic popular millions of medical insurance comparison table "
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