It’s true.
But the design of Million Medical Insurance is based on data reports from the entire medical system. The reason why the deductible should be set to 10,000 yuan is because after most people's medical treatment is reimbursed by social security, the out-of-pocket portion rarely exceeds 10,000 yuan and most of them.
The expenses incurred after entering the ICU due to the occurrence of disease risks have not exceeded one million so far. In China, I think the cost of very few black swan events should be enough.
As for insured amounts of 6 million, 8 million or even 12 million or 20 million, they all exist in high-end medical insurance, because it is indeed possible to spend so much money. The China Insurance Regulatory Commission’s latest regulations on health insurance prevent insurance companies from setting medical insurance coverage amounts that are too high, which would mislead consumers and harm the development of the industry. The current medical insurance with an insured amount of 6 million yuan will become less and less in the future, and may even disappear.