Compared with general medical insurance, high-end medical insurance has a wider range of reimbursable hospitals and wards; a better experience of seeing a doctor, which can be handled in a single package without having to spend a long time; and a more comprehensive coverage, which can be freely attached, with deductibles and coverage that can be set by yourself.
For more details, see: High-end medical insurance, the end of difficult to see the doctor!
Of course, there is no doubt that premiums for high-end medical insurance are also more expensive, so if you are a working-class family who wants to configure a medical insurance policy, it is actually more advisable to choose a multi-million-dollar medical insurance policy, which is more cost-effective.
Generally speaking, in addition to the general hospitalization medical insurance, usually have specific diseases, serious illnesses and other hospitalization medical insurance, but also contains a special drug benefits, outpatient surgery, hospitalization before and after the outpatient medical care and so on the cost of the coverage is still very rich, you can provide to a more comprehensive protection.
Want to know whether insuring medical insurance will conflict with other insurance? You can see: what is the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will it conflict when a claim is made?
If you want to take out an insurance product, I suggest that you take a look at more and more similar products, compare them and then combine them with your own actual situation to make a choice. However, if you are looking for a one-year medical insurance policy, you need to pay attention to the guaranteed renewal of the policy, otherwise you will need to apply for a new policy once it expires and you will only be able to renew the policy after you have passed it.
Currently on the market there is a guaranteed renewal of 20 years of medical insurance, interested can see: Ping An eShanghai insurance - long-term medical - insurance portfolio heavy attack, this defect should be noted!
These are all my answers to the question, I hope to help you!
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