After the rise of insurance awareness, people pay more attention to the insurance service, with the increase in demand for some private hospitals and public hospitals special needs department, the popularity of individual high-end medical insurance service is growing, for the middle and high-end people, the unique advantages of this kind of products can basically satisfy their personalized customization of medical and health care protection requirements. So, what kind of insurance is individual high-end medical insurance? Are the supporting services really high-end? What are the problems in the development of China's individual high-end medical insurance market? The following will give you the answer to the mystery.
Opportunities for the development of high-end medical insurance
At the present stage of China's development, the average expenditure on public ****medical expenses is constantly rising, and the phenomenon of difficult and expensive medical treatment and difficult to make an appointment with a specialist is widespread. Therefore, for those who are in a position to do so, it would not be a bad thing to take some new approaches to meet their own medical needs and divert the use of overburdened public **** resources. Under this premise, individual high-end medical insurance services in China's insurance market came into being, opened up customized, extensive, ultra-high amount of the most expensive services, really cater to the needs of a portion of the population, the future will also grow rapidly.
Individual high-end medical insurance supporting services are perfect
1. High-end medical insurance allows customers to enjoy relatively private medical services, customers can choose private hospitals and public hospitals special needs department in their area according to their own medical habits, which breaks through the limitations of the social security and ordinary commercial insurance on hospitals and medication; the actual incurred Medical expenses are settled between the insurance company and the medical institution, and customers can enjoy direct payment by medical card without carrying cash to the clinic, creating convenience for busy urbanites; which is the strongest insurance company, I just happened to organize the relevant content, I hope it will be helpful to you: the latest list! National top ten insurance companies ranked
2, individual high-end medical insurance guaranteed amount of high ceiling, to the oneworld supreme, for example, the highest can pay out up to 20 million, the customer can also choose 0 deductible 100% reimbursement of the claims range. In addition, the insured can choose to visit medical institutions in different parts of the world according to their own medical needs or work-life habits, with a wide coverage of medical resources;
3. The reimbursement content that can be attached to high-end medical insurance is relatively personalized, for example, outpatient, dental, ophthalmology, international health checkups, maternity plans, and children's immunizations are also in the reimbursement optional scope. For the problem of buying insurance medical examination, I just happen to organize the relevant content, I hope to help you: before buying insurance, in the end, do you want a medical examination?
In summary, insurance is a kind of mutual assistance mechanism, which can play a "one party in trouble, eight parties to support" the positive interaction. At the same time, insurance is also a commercial activity, which needs to be realized through probability calculations, and if everyone has a profit-making mentality, then it is obvious that this kind of institutional arrangement will be difficult to support. In China's basic medical insurance is not yet sound today, we sincerely hope that commercial insurance as an effective supplement to the basic social welfare, individual high-end medical insurance as the industry's new growth point, to meet the individual needs of everyone.