What is "high end" about high end medical insurance?
The sum insured is very high: the sum insured of high-end medical insurance is not less than 2 million, and some products reach 10 million. The high sum insured protects the insured's various medical needs, and the insured's choice of tertiary hospitals, private hospitals, or foreign hospitals can be satisfied with the medical expenses.
Very high premiums: There is a common saying in the industry that high-end medical insurance is for the rich, which is biased but not unreasonable. Why? Because high-end medical insurance is very expensive, its premiums are very high, several thousand a year or even tens of thousands, and some products even up to a hundred thousand a year.
What kind of protection does a high-end medical insurance policy with high coverage and high premiums give the insured? This comes down to where the advantages of high-end medical insurance lie.
What's so great about high-end medical insurance?
The biggest advantage of high-end medical insurance is service and coverage.?
We are familiar with medical insurance is the reimbursement type, the first to pay for their own first to take the bill to the insurance company for reimbursement. But high-end medical insurance is different, it can do the insurance company direct payment. The company has been in contact with the car insurance friends should not be unfamiliar, now many insurance companies in the car insurance claims, the insurance company and 4S store direct payment, the owner does not need to advance the cost of repairing the car, this is a kind of insurance claims in the car insurance claims direct compensation.
High-end medical insurance is a kind of "insurance direct compensation".
When the insured person has a reasonable medical behavior, the insurance company will cover the medical expenses, and does not need the insured person to pay first. It is believed that this can play a very big role in the treatment costs of serious illnesses that can easily cost 100,000 or even hundreds of thousands of dollars.
More hospital options and services.
Medical insurance and million medical insurance hospitals usually have their requirements, such as second-class A and above hospitals, designated hospitals. However, high-end medical insurance is more superior in this part, and there is no limitation on hospitals. Private hospitals such as United Family, and even many of them can make direct claims with and foreign hospitals. Imagine if you could receive more advanced treatments without having to worry about the cost of medication, so even if it's a little more expensive, it's still acceptable.
Broader coverage, not just limited to surgical treatments.
Providing coverage for surgical treatments is a kind of coverage that medical insurance has, but high-end medical insurance is not limited to this. For example, medical checkups, dental visits, and vaccines are all covered, and most products have zero deductibles. Seeing so many advantages, I have to say that high-end medical insurance is expensive for a reason. The vast majority of ordinary people who can not afford high-end medical insurance, how to configure medical insurance? That's where the million dollar medical insurance comes in. Although the million medical insurance does not do high-end medical insurance is not perfect, but the million medical insurance does also increase the choice of medical insurance.
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