I. Hospitalization Medical Expenses
The first thing that is covered by Million Dollar Medical Insurance is hospitalization medical expenses, which include bed fees, nursing fees, treatment fees, examination fees and so on. Whether the hospitalization is caused by illness or accident, as long as it meets the conditions stipulated in the insurance contract, the insured will be compensated accordingly.
II. Surgical Expenses
Surgical expenses are another important coverage item of Million Dollar Medical Insurance. Whether it is a major or minor surgery, as long as the insured person needs surgical treatment due to illness or accident, the corresponding surgical expenses can be compensated.
Three, special examination costs
Special examination costs are also one of the coverage items of Million Dollar Medical Insurance. These examinations usually include those conducted by high-end medical equipment such as nuclear magnetic **** vibration, CT scan, PET-CT, etc. Although the cost is high, the insured can get the corresponding financial compensation under the agreement of the insurance contract.
Fourth, the cost of medicines
The cost of medicines is an important part of medical expenses, which is also covered by the Million Dollar Medical Insurance. However, it is important to note that the coverage and reimbursement rates for medicines may vary from one insurance company to another, so you need to understand the terms and conditions of the insurance contract carefully when purchasing the policy.
V. Rehabilitation costs
In addition to the above costs, Million Dollar Health Insurance may also cover rehabilitation costs. Rehabilitation expenses are the costs incurred by the insured person who needs to undergo rehabilitation treatment due to physical dysfunction caused by illness or accident. These expenses are also compensated under the agreement of the insurance contract.
In summary:
Million Dollar Medical Insurance has a wide range of coverage, covering a variety of areas such as hospitalization medical expenses, surgical expenses, special examination expenses, drug expenses and rehabilitation expenses. These coverage items provide comprehensive medical protection for the insured and can alleviate the financial burden in case of illness or accident. However, it should be noted that the coverage and reimbursement rates may vary from one insurance company to another, so you need to carefully compare different products when purchasing an insurance policy and choose the most suitable Million Dollar Medical Insurance for yourself.
Legal basis:
The People's Republic of China*** and the State Insurance Law
Article 10 states:
The insurance contract is an agreement between the policyholder and the insurer to agree on the relationship between insurance rights and obligations. The policyholder is the person who enters into an insurance contract with the insurer and is obligated to pay premiums in accordance with the contract. The insurer is the insurance contract with the policyholder, and in accordance with the contract to assume the responsibility of compensation or payment of insurance benefits.
Article 11 stipulates:
The conclusion of an insurance contract shall be based on consensus and the principle of fairness in determining the rights and obligations of the parties. Except for the laws and administrative regulations require insurance, insurance contracts are concluded voluntarily.
Article 18 stipulates:
The insurance contract shall include the following matters:
(1) the name and domicile of the insurer;
(2) the names or names and domiciles of the policyholder, the insured, and the beneficiary of the life insurance;
(3) the subject matter of insurance;
(4) Insurance liability and exemption of liability;
(v) insurance period and the commencement of insurance liability;
(vi) insurance amount;
(vii) insurance premiums and the method of payment;
(viii) the method of compensation for insurance premiums or the payment of insurance premiums;
(ix) the responsibility for breach of contract and the handling of disputes;
(x) the year, month and day of the conclusion of the contract, day.