China Merchants Trust Insurance Company launched the mellow life high-end medical insurance is very popular with the public like a product. It comes with its own advantages such as high coverage, wide coverage, special services, and rich medical resources, all of which are the fundamental reasons for attracting the favor of so many consumers nowadays. Which is the strongest insurance company, I just happened to organize the relevant content, I hope it will help you: the latest list! The top ten insurance companies in the country
Mellow Life High-end Medical Insurance Insurance Liability
So what are the insurance liabilities about this product?
Specifically, the liability of the high-end medical insurance can be divided into three major aspects, the following to give you an introduction.
One, the core medical insurance: as agreed, the insured person will be provided with coverage for the required hospitalization expenses and day room expenses. In addition, for some of the items listed below, such as surgery and cancer treatment, the coverage includes not only hospitalization and day room expenses, but also outpatient expenses.
Specifically, the following expenses are covered: in-patient or day-patient medical expenses; operating room and anesthesia recovery room expenses; prescription drugs and dressings, intensive care unit expenses; beds for parents or guardians; surgeon's and anesthesiologist's fees; specialist's fees; organ, bone marrow, and stem cell transplantation expenses; renal dialysis expenses; pathology, radiology, and other diagnostic tests; physiotherapy/physical therapy; and other diagnostic tests and examinations. tests; physiotherapy/complementary therapies and Chinese medicine/acupuncture; rehabilitation; MRI, CT and Positron Emission Tomography (PET); home care; hospice and palliative care; prosthetics, equipment and appliances; local ambulance; psychiatric treatment; addictive hobbies; cancer treatment; and congenital disorders. Treatment costs. How do I buy insurance for my parents as they get older? I just happened to organize the relevant content, I hope to help you: to buy insurance for parents elderly, be sure to avoid these pits!
Two, extended medical coverage (optional coverage): extended medical coverage as agreed to provide the insured person with the required outpatient treatment costs, prescription drugs, dressings, physiotherapy/supplementary treatment and other costs of coverage.
Specifically, it includes the cost of consultation with a licensed physician and specialist; outpatient diagnostic tests; MRI, CT and Positron Emission Tomography (PET) scans; physiotherapy/supplementary therapies; Traditional Chinese Medicine (TCM)/Acupuncture treatments; speech therapy; prescription medicines and dressings; rental of Durable Medical Equipment (DME); adult travel vaccinations; accidental dental visits; psychiatric treatments; and addiction treatment. treatment; psychiatric treatment; and treatment for addictive hobbies.
3. Comprehensive Dental Benefit (Optional Benefit): Provides coverage for the insured person for preventive dental treatment, routine dental treatment and major dental treatment as agreed.
However, the above three aspects of the coverage for the specific content of the coverage will be more or less with some restrictions, such as in the first of the core medical coverage of the hospitalization or day room medical expenses, need to meet all of the following conditions can be obtained:
1, the insured person to receive inpatient treatment or day room treatment for medical necessity and in line with the usual medical practice;
2. the length of the insured person's hospitalization is reasonable;
3. the treatment received is personally administered by or under the effective supervision of a specialist physician.
Only if these three conditions are met will the insurer pay for the costs of nursing care, ward meals and beds during the period of hospitalization or day case treatment.
So, if you want to know more about the insurance responsibility of this product, why don't you go to the product page of China Merchants Trust website and search for "醇享人生", and then you can check the terms and conditions of this product in the column of "Application Notice" to learn more about it: "Terms and Conditions of China Merchants Trust Mellow Enjoyment of Life Individual High-end Medical Insurance".