What is high-end medical?
High-end medical insurance is a kind of commercial medical insurance designed for high-end people, high coverage, breaking through the limitations of the national health insurance, direct payment for medical treatment, and extensive coverage. For the health insurance reimbursement strategy, I happen to have organized the relevant content, I hope to help you: social security health insurance how to use? An article to teach you to apply for the reimbursement process!
To know which drugs are used in high-end medical insurance, first of all, we should be clear about the classification of drugs in our country, because the insurance reimbursement is based on the country's drug classification to implement.
China's drugs are divided into three categories:
1, Category A drugs are those that are uniformly formulated by the state and are necessary for clinical treatment, and may not be adjusted in any region. All included in the medical insurance reimbursement.
2. Category B drugs are drugs that can be used for clinical treatment options and have better efficacy. Prices are slightly higher, and regions can make appropriate adjustments based on economic levels, medical needs and medication habits. Medical insurance is reimbursed at a certain percentage.
3, in addition to the above two categories, non-clinically necessary, higher-priced drugs belong to Category C drugs. Usually, it is some special drugs, imported drugs, the variety is almost 10 times more than the two categories of A and B. Usually, the medical insurance does not give reimbursement, which belongs to the completely out-of-pocket expenses.
In addition to the above limitations, there are also limitations on the starting line and the ceiling line in general medical insurance, however, all the limitations you can see in the high-end medical either have no or very few limitations.
High-end medical insurance is a consumer product, with premiums paid one year to cover one year of coverage. Different companies have different coverage and different premiums, but at the heart of it all is the consumer's quest for high-quality medical care.
High-end medical insurance has a very high insurance coverage, the general insurance amount is more than 8 million, and some products can reach tens of millions of dollars, breaking through the basic medical insurance to designate hospitals, the scope of medication and other restrictions.
In fact, it's very simple to think about, tens of millions of dollars of coverage for what medicines can't be purchased, where hospitals can't go, what kind of equipment can't be used.
Such high-end value-added services as special outpatient services, international medical departments, private hospitals and expensive medical institutions, foreign visits, direct payment for medical treatment, global emergency assistance, and second opinions can be enjoyed.
Of course, in order to achieve the above ultimate experience of medical treatment, in addition to the need to pay a higher insurance cost, the signing of the contract and the choice of specific programs is also very important.