High-end individual medical insurance is a kind of professional medical insurance which serves the high-end people and attracts a large number of high-end people with its high coverage and good service. High-end individual medical insurance is first appeared in foreign insurance companies, in foreign countries has developed very well, but in the Chinese market is not very mature, although many insurance companies have launched their own high-end individual medical insurance, but most of them are still in the promotional stage, not very profitable, but in recent years, the number of domestic insured people increased significantly faster, the product is also in the continuous price increase, but the price of the product is also in the middle, but the price is not very high. Due to some of the problems of the health care system, increased costs, so that the insurance company to achieve relatively low profits, thus restricting the development of this kind of insurance at the root. Which is the best insurance company, I just happened to organize the relevant content, I hope to help you: the latest list! Top 10 insurance companies in the country
Continuously pushed up the price of high-end individual health insurance
Currently, part of the health care system is still in the process of continuous improvement, and the market competition is also more intense, the customer reverse choice of today's market, the high risk of claims in the business of individual health insurance, which has led to more and more insurance companies also raised the price of individual medical insurance. It is reported that a foreign company that specializes in health insurance products in the international market has designed a medical insurance for children, and over the past few years, it has adjusted its price probably less than once every six months, and every time it has adjusted upward, and the adjustment has not been small, and every time it has been around a quarter of a percent.
The reason why insurers have raised the price of their products is that many people who buy high-end individual health insurance quickly reimburse their premiums back, and there's no shortage of those people who exploit loopholes in the health care system. The real high-end people are more interested in the service of the product than the price, if they look at the price, they will choose the ordinary health insurance. That's why insurance companies are raising the price of their products.
How should insurance companies control the growth of medical costs
In addition to raising the price of their products, insurance companies can start from the cost of expenses, closely monitor the reimbursement of expenses, and maximize the elimination of false enrollment information, so as not to allow fraudulent people to exploit the loopholes. In this case, these issues can only be best controlled by working closely with hospitals.
Since most of the high-end individual medical insurance policies do not require medical checkups, but only require the insured to fill in their health status and previous illnesses on the application form, it is very easy to be exploited in this way, so why don't insurance companies require the insured to do medical checkups? According to senior insurance practitioners, this is because many diseases can not be detected by physical examination, if the insurance company requires the policyholder to do a physical examination, and did not detect the disease, then when the policyholder is sick, the insurance company can not use the disease is before the policyholder to refuse to pay compensation, because the policyholder's physical examination, did not detect the disease. For the problem of buying insurance medical examination, I happen to organize the relevant content, I hope to help you: buy insurance before, in the end, whether to medical examination?