Commercial insurance can generally be categorized into small hospitalization medical insurance, multi-million dollar medical insurance, mid-range medical insurance and high-end medical insurance. The insuring strategy is in this article, and it is recommended to read it carefully → Which is the best type of medical insurance? This is the right way to insure!
(1) Small Hospitalization Medical Insurance
Small hospitalization medical insurance has a relatively low sum insured, usually in the range of 1-2 lakhs.
Small medical insurance is usually used to reimburse general outpatient medical expenses and general inpatient medical expenses. This type of insurance is characterized by a low or no deductible, and is suitable for use as a supplement to multi-million dollar medical insurance.
(2) Million Dollar Medical Insurance
Million Dollar Medical Insurance mainly serves to solve the problem of large medical expenses, the sum insured is up to one million dollars, and the annual premium is not expensive, so it is cost-effective.
Million dollar medical insurance is characterized by a deductible of 10,000 yuan, reimbursement of expenses not limited to social security, and generally reimbursement of expenses outside of the social security system, and many of them have value-added services such as medical advances and green passes to the doctor.
(3) Mid-range medical insurance
Mid-range medical insurance can reimburse the cost of special outpatient services, and can cover not only large medical expense reimbursement, but also small medical reimbursement.
(4) High-end medical
High-end medical coverage is relatively high, the coverage is more extensive, million medical insurance generally requires public hospitals, while high-end medical some of the top high-end medical insurance reimbursement is unlimited, but also can use overseas quality medical resources.