It is believed that many people know or have purchased million medical insurance, but most people do not know the high-end medical, in fact, insurance companies such as BUPA, Allianz, China Merchants Trust, Taikang and other insurance companies have high-end medical business. The first thing you need to do is to get a good understanding of high-end medical care: what are some good medical insurance recommendations?2020 Hot 20 quality medical insurance inventory
High-end medical care as a kind of commercial medical insurance to break through the limitations of the national health insurance, mainly for the high-income groups such as the stars of the performing arts and the elite to provide high-quality medical insurance and services, so what are the advantages, the next simple explanation.
1, has a higher amount of coverage
High-end medical as a kind of payment of a year to protect a year of consumer products, premiums ranging from a few thousand to more than 100,000 per year, the amount of coverage is usually a few million, and the high end of the tens of millions of dollars.
2, the hospital independent choice
Ordinary medical insurance can be reimbursed by the hospital are generally designated hospitals, while high-end medical not only independent choice of public, private or foreign-funded hospitals, as well as major domestic hospitals, hospitals, special hospitals and foreign health care institutions to choose.
3, a variety of medical services
High-end medical care includes traditional Chinese medicine, physiotherapy, which is not covered by ordinary medical insurance, and can provide coverage for overseas medical treatment, hospitalization, outpatient care, organ transplantation, physical examination and other high-cost comprehensive medical expenses, as well as personalized medical care programs such as dental, ophthalmic, and maternity.
If the insured person visits the insurance company's partner hospitals, he or she can also enjoy the direct payment service, which requires only the swiping of the card and signature, and the expenses will be settled directly by the insurance company and the hospital.
4. Breaking through the social security reimbursement limit
The insured can be reimbursed for the cost of imported medicines, imported medical equipments and non-social security catalog medicines without having to pay attention to the reimbursement limit of the social security.
Summary
While high-end medical services and coverage are better, the average person cannot afford the high annual premiums. In fact, but a few hundred dollars a year million medical insurance can meet the average person's medical insurance needs, want to know which million medical insurance cost-effective, be sure to compare: what are the good medical insurance recommendations?2020 hot top 20 quality medical insurance inventory