We all know that "insurance is not a guarantee against risk, but a way to get help and support in case of risk." Therefore, the way individuals and families prepare for unknown risks is to choose the type of insurance that provides comprehensive coverage. High-end medical insurance is designed for people with higher incomes, providing ultra-high coverage, breaking the limits of national health insurance, direct payment for medical treatment, and covering a wide range of medical expenses type of commercial insurance, because it includes both hospitalization expenses, and no life insurance liability, and thus is also to some extent widely regarded as high-end medical hospitalization insurance. What are some good life insurance recommendations, I just happened to organize the relevant content, I hope to help you: 2020 top ten insurance companies hot life insurance inventory!
Limitations of the Existing Insurance System and High-End Medical Hospitalization Insurance Opportunities
While the penetration of health insurance is extremely high, the current national health insurance system is still inadequate, mainly in: only for Chinese citizens in China to incur a limited number of medical expenses; the quality of service of public hospitals is unsatisfactory; the cost of visits to private, foreign hospitals The main features are: limited medical expenses incurred by Chinese citizens in China; unsatisfactory service quality of public hospitals; medical expenses incurred in private and foreign hospitals are not covered by the national health insurance; there are strict limitations on the use of medicines and the places where medical treatment can be provided; the insurance coverage is low; the insurance program is narrow; high-end medical insurance for expatriates during their stay in China is generally not available; and medical expenses incurred outside of China cannot be reimbursed (which is unfavorable for business travelers). For the health insurance reimbursement strategy, I happen to have organized the relevant content, I hope to help you: social security health insurance how to use? An article to teach you to apply for the reimbursement process!
From the point of view of the coverage, social security can only protect the medical expenses incurred in the social security designated hospitals, and the scope of medication is limited to the social security drugs; ordinary commercial medical insurance more reference to the social security reimbursement, and the amount of protection is not high, the scope of the protection usually only covers the cost of hospitalization, surgical costs, etc., for the outpatient clinic, physical examination and other costs usually can not be reimbursed, not able to satisfy the needs of some of the people on the special needs of the medical treatment, Free choice of hospitals, self-prescription drugs and other special needs. For the problem of buying insurance medical examination, I just happened to organize the relevant content, I hope to help you: before buying insurance, in the end, do you want a medical examination?
The introduction of the new health care reform program, many insurance companies have aimed at high-end wealthy people, brewing the launch of innovative high-end medical insurance to meet the personalized health insurance needs of this group. High-end medical hospitalization insurance in addition to the reimbursement of medical expenses, more noteworthy elements include: 1, the cost of examination, namely, nuclear magnetic *** vibration, pathological diagnostic tests and procedural tumor tests; 2, inpatient and day-end ward bed meal costs; 3, parents accompanying the bed costs, home care costs; 4, physiotherapy supplemental costs; 5, built-in or external prostheses, devices and equipment (each prosthetic device up to 20,000 yuan ); 6. Care for advanced medical conditions; 7. Hormonal hormone treatment; 8. Mental illness medical treatment; 9. In-patient emergency dental treatment; 10. Cancer treatment, including full benefits for chemotherapy, radiotherapy, tumor pathology, and medications incurred by the insured person in an in-patient, day-patient or out-patient setting.
China Merchants Sino high-end medical hospitalization insurance content also includes the provision of a second opinion, global emergency medical car, medical transportation services. Meanwhile, there is also a hospitalization allowance benefit of 1,200 yuan per day; 24-hour international hotline service is provided; and maternity coverage is also included.