High-end medical market share of insurance companies

Wutongshu Insurance Network will help you answer your questions~

Compared with low-end and mid-range medical insurance, the high-end of high-end medical insurance is reflected in the following points:

High-end medical insurance is actually a product designed for high-end consumer groups such as the middle class. It is often not available to ordinary people. It has a higher insurance amount. , usually in the millions, and can reach tens of millions, but at the same time, the premiums are also higher.

High-end medical insurance is consumer medical insurance. The coverage period is generally one year, and the premiums can range from several thousand to tens of thousands of yuan or even higher.

2. Breaking through hospital and geographical restrictions

Social medical insurance and ordinary commercial medical insurance have strict agreements on the clinics or hospitals where medical treatment is provided, but high-end medical insurance usually does not, regardless of Whether it is a private hospital or a public hospital, or whether you seek medical treatment abroad, you can get compensation.

3. More service items

High-end medical insurance mainly focuses on services, and its service content is much more than ordinary medical insurance. It not only covers hospitalization and surgical expenses, but also provides coverage for critical illness treatment, post-discharge rehabilitation services, etc. It also includes some relatively high-end value-added services, including green medical channels, advanced medical care, emergency medical rescue, overseas medical treatment and other projects.

4. Can cover special diseases

High-end medical insurance can also cover some special diseases, which is not covered by ordinary medical insurance. Ordinary medical insurance will cover some special diseases. It is listed as an exclusion, but some high-end medical insurance can provide coverage for the treatment of AIDS and mental illness.

High-end medical insurance has more advantages than ordinary medical insurance in terms of coverage and service content. However, it should be noted that the premiums of high-end medical insurance are much higher than ordinary medical insurance. Low-end, mid-range, and high-end medical insurance products should all be configured according to needs. The product that suits you is the most cost-effective product.

Extended reading: How to buy insurance, which one is better, and step-by-step instructions to avoid these "pitfalls" of insurance