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Compared with the low-end medical insurance, the high-end medical insurance is reflected in the following points:
1, high coverage and high premium.
High-end medical insurance is actually a product designed for high-end consumers such as the middle class, and ordinary people often don't need it. Its insurance coverage is very high, usually millions, up to tens of millions, but at the same time, the premium is also very high.
High-end medical insurance is consumer medical insurance, with a guarantee period of one year and a premium of several thousand yuan to tens of thousands of yuan or even higher.
2. Break through hospital and geographical restrictions.
Social medical insurance and general commercial medical insurance have strict agreements on clinics or hospitals for medical treatment, while high-end medical insurance usually does not. Whether it is a private hospital or a public hospital, or seeking medical treatment abroad, you can get claims.
3. More services
High-end medical insurance is service-oriented, and the service content is much more than ordinary medical insurance. It not only covers hospitalization and operation expenses, but also provides guarantee for the treatment and rehabilitation of serious illness after discharge. It also includes some high-end value-added services, including green medical access, advanced medical care, emergency medical rescue, overseas medical treatment and other projects.
4, can cover special diseases.
High-end medical insurance can also protect some special diseases, which are not included in general medical insurance. General medical insurance will exclude some special diseases, but some high-end medical insurance can provide protection for the treatment of AIDS and mental illness.
High-end medical insurance has advantages over general medical insurance in coverage and service content, but it should be noted that the premium of high-end medical insurance is much higher than that of general medical insurance. Whether it is low-end, mid-range or high-end medical insurance products, they should be configured as needed, and the products that suit them are the most cost-effective products.