Ordinary public hospitals to see the doctor is difficult to get a little better hospitals one is difficult to find a bed is difficult to find. As a result, families and high-income people who are financially well-off have turned their attention to high-end medical insurance. If the million medical insurance to buy is high leverage, then high-end medical insurance to buy is quality medical resources and high quality medical services. What are some good medical insurance policies? Which one is worth buying? Look at this year's insurance companies ranked the top 10 hot insurance: what are the good medical insurance recommendations?2020 hot top 20 quality medical insurance inventory
Now, the market is giving more and more insurance companies for high-end medical insurance, and each insurance company has its own characteristics. According to my understanding, the new high-end medical insurance of China Merchants Trust is very good, and the product is favored by many insured people as soon as it is launched. Why? Because people not only "high-end", but also a wide range of protection, can be said to be a very comprehensive protection of a high-end medical insurance products. The name of this product is China Merchants Trust Life High-end Medical Insurance, and the following is to introduce you to the product in addition to the basic protection, what are the extended medical protection. Insurance company which is strong, I just happened to organize the relevant content, I hope to help you: the latest list! Top 10 National Insurance Companies
I.What is Extended Medical Coverage?
Extended Medical Coverage is an agreement to provide the insured person with coverage for the costs of consultation fees, prescription drugs, dressings, physiotherapy/supplementary therapy, etc., for outpatient treatment as needed.
2. What are the details of Extended Medical Coverage?
China Merchants Sino high-end medical insurance high-end medical insurance extended medical coverage what are the specifics? The following specific to introduce to you.
1. Licensed Physician and Specialist Consultation Fee
If the insured person visits a licensed physician/specialist for diagnosis of illness, arranging for treatment, or receiving treatment, the insurance company will pay the registration fee or consultation fee for that visit.If the Insured Person requires non-surgical treatment (including pathology, radiology and radiographic imaging) on an outpatient basis that is Medically Necessary and in accordance with usual medical practice on the express recommendation of a Medical Practitioner/Specialist, the Insurer will pay for the cost of such non-surgical treatment on an outpatient basis.
2. Outpatient Diagnostic Examinations and Laboratory Tests
If the Insured Person has been expressly advised by a licensed medical practitioner that he/she needs to undergo an examination or laboratory test for the purpose of diagnosing or evaluating his/her medical condition, the Insurer shall pay for the costs of such diagnostic examinations and laboratory tests incurred on an outpatient basis.
3. MRI, Computed Tomography and Positron Emission Tomography
The insurer will pay for the costs of the following tests explicitly requested by a medical practitioner during outpatient treatment: MRI, Computed Tomography, Positron Emission Tomography, provided they are medically necessary and in accordance with usual medical practice.
4. Physiotherapy/supplementary therapy
The insurer will pay for physiotherapy/supplementary therapy to restore normal physiological functioning of the insured person's daily life during outpatient treatment, if recommended by a specialist and if it is in accordance with the principles of evidence-based treatment, is medically necessary and in accordance with usual medical practice.
5. Traditional Chinese Medicine/Acupuncture Treatment
If the practitioner of traditional Chinese medicine/acupuncture treatment is explicitly requested by the insured person during the outpatient treatment, the insurer will pay for the costs incurred for the traditional Chinese medicine/acupuncture treatment accordingly.
6. Speech Rehabilitation Treatment
The insurer will pay for the cost of speech rehabilitation treatment during outpatient treatment if all of the following conditions are met:
The speech rehabilitation treatment occurs immediately after the treatment that is covered by the insurance contract and is due to the same cause (e.g., speech therapy as part of the necessary follow-up treatment for the insured person's stroke);
The treatment has been authorized by a physician as a result of the insured person's stroke. p>
The treatment is clearly defined by a specialist as being short-term, medically necessary and in accordance with usual medical practice.
7. Prescription Drugs and Dressings
The insurer will pay for the cost of prescription drugs or dressings incurred by the insured person in an outpatient clinic and prescribed by a licensed medical practitioner.
8. Rental of Durable Medical Equipment (DME)
The insurer will pay for the rental of DME for a maximum of 45 days per period of cover, if the rental of specialized medical equipment is expressly requested by a medical practitioner as an adjunct to the treatment of the insured person during the period of outpatient treatment. The rental of DME is subject to all of the following conditions:
(1) non-disposable and reusable;
(2) for medical purposes;
(3) for home use;
(4) for the sole purpose of treating an illness or injury.
Durable medical equipment does not include crutches, wheelchairs, etc., that are primarily for convenience.
9. Adult Travel Vaccinations
The insurer will pay for expenses incurred for the following vaccinations or immunizations as a result of travel, including:
Tetanus (once every 10 years);
Hepatitis A;
Hepatitis B;
Meningitis;
Rabies;
Cholera;
Yellow fever;
Encephalitis B;
Polio;
Typhoid fever; and
Malaria (as tablets, daily or weekly).
10. Dental Accident Outpatient Treatment
The insurer will pay for the cost of dental accident outpatient treatment if the insured person suffers an accident that results in damage to a healthy autogenous tooth, and the treatment for the dental damage begins immediately after the accident and is completed within 30 days of the accident. To expedite the claims process, all of the following information from the treating dentist must be provided:
(1) the date of the accident;
(2) confirmation that the tooth treated was a healthy primary tooth.
If the dental treatment for an accident is covered under this benefit as well as the Comprehensive Dental Benefit chosen by the policyholder, the insurer will reimburse you as agreed under this benefit but not under the Comprehensive Dental Benefit. The insurer will reimburse you under this benefit and not under the Comprehensive Dental Benefit.
11. Psychiatric Treatment Expenses
The insurer will pay for the cost of treatment of mental health problems or abnormalities that occur during outpatient treatment under the following conditions.
(1) The insurer will only pay for illnesses included in the International Classification of Diseases (ICD-10) F00-F09 and F20-F48;
(2) The insurer will only pay for evidence-based treatments and treatments that are medically necessary and in accordance with usual medical practice.
12. Addictive Hobbies Treatment Expenses
The Insurer will pay for the following Addictive Hobbies Treatment Expenses incurred during Outpatient Treatment:
(1) Diagnosis of Addictive Symptoms (including Alcohol Addiction);
(2) Treatment that is Medically Necessary and consistent with usual medical practice, performed in a Specialized Evidence-Based Treatment Center that provides such specialized treatment, and is performed by a Specialist Physician, and is consistent with usual medical practice. practice and as specifically ordered by a specialist for a phase or course of addiction treatment.
(3) The insurer will pay for up to three sessions of addiction treatment prior to each formal outpatient addiction treatment session.
Doesn't everyone feel a little more at ease with all this extended medical coverage? Take the plunge and get yourself or your family covered!