Higher premiums, more "hospitalization + outpatient" full claims
On the other hand, high-end medical insurance premiums are usually paid for one year to insure one year, belonging to the consumer type. The biggest feature is that you can 100% reimbursement of outpatient, hospitalization and other medical expenses; public hospitals, private hospitals, international hospitals are not limited; medication and treatment services are not limited; the main products in the market at present are more than 8 million yuan of coverage, but optional liability of each insurance company's provisions are not the same.
To this end, I selected the market hot five high-end medical insurance, age, premiums vary, especially worth reminding is that each company's product coverage focuses on the scope of the premiums charged are not the same. However, the **** nature of these high-end insurance is: higher sum insured, premiums are not expensive, the scope of protection is more comprehensive.
The 38-year-old woman, for example, "Global Premium Diamond Plan", the annual premium of 33,000 yuan, the annual maximum coverage of 20 million yuan; Ping An of China "Zunxin Global Supreme Plan" annual premium of 48,000 yuan, the annual maximum coverage of 3 million yuan; AXA TIANSHENG TIANSHENG, the annual maximum coverage of 3 million yuan, the annual premium of 4,000 yuan, the annual maximum coverage of 3 million yuan. 3 million yuan; AXA Tianping's Premier Global Global Plan has an annual premium of 43,000 yuan and an annual maximum sum insured of 18 million yuan; Allianz's Diamond Supreme Global Protection has an annual premium of 79,000 yuan and an annual maximum sum insured of 18.9 million yuan; ICBC AXA Life's Premier Global Plan has an annual premium of 33,000 yuan and an annual maximum sum insured of 20 million yuan. ICBC AXA Life's Premium Plan has an annual premium of 59,000 yuan and an annual maximum sum insured of 23.8 million yuan.
On the whole, the five high-end medical insurance policies have no statelessness limit, and cover the full amount of medical expenses such as intensive care unit fees, operating room fees and emergency room fees, as well as outpatient treatment.
Coverage of special diseases and peace of mind set a ceiling
In terms of special treatments, the five high-end medical insurance policies provide coverage for mental illnesses to varying degrees. Among them, ICBC AXA Life is able to hospitalization for mental illness in the insurance plan in effect for 12 consecutive months after the extension of 30 days of psychiatric treatment and full coverage; Ping An of China to protect 200,000 yuan, the remaining three companies of high-end medical insurance are fully covered. In addition, Ping An of China and ICBC AXA Life both cover AIDS and its complications.
In terms of emergency medical transportation, the five products mentioned above provide rescue services of different degrees. Among them, an ambulance helicopter is also provided locally; all the above four companies except AXA Tianping provide local ambulance services; ICBC AXA covers one night's accommodation in full as well as the cost of emergency medical evacuation in addition to full coverage for repatriation of remains and local burial; and AXA Tianping can provide 24-hour emergency support services.
From the point of view of the scope of coverage, and Ping An only includes "hospitalization + outpatient emergency"; the other three products are "hospitalization + outpatient emergency + maternity". In terms of maternity protection, maternity includes prenatal checkups, preterm delivery, normal delivery, medical necessity of cesarean section, postpartum review fee and treatment of pregnancy complications, etc., ICBC AXA Life protection for a maximum of 89,000 yuan, AXA Tianping annual total compensation limit of 90,000 yuan, the waiting period of 12 months; and Allianz insurance delivery complications per reimbursement limit of 126,000 yuan. ICBC AXA Life also offers coverage of up to 89,250 yuan, AXA Tianping provides 15 days of medically necessary infant expenses.
Do not duplicate high-end insurance ordinary insurance coverage has a cross
In fact, high-end insurance mainly lies in the protection of a more comprehensive, to meet the needs of personalized, which also means that the ordinary disease coverage is also included. Therefore, some insurance experts have warned to prevent repeated insurance, if the reimbursement type of project, can only be reimbursed once, allowance type of service is not affected. Previously went to Hong Kong to insure hot Hong Kong critical illness insurance, and Hong Kong critical illness insurance and high-end medical insurance has a certain overlap.
It is understood that the disease insurance and medical insurance are health insurance, are to the insured's health as the subject of insurance, but is a different type of insurance. For major disease insurance, Hong Kong insurance has obvious advantages and absolute competitiveness. For high-end medical insurance, the coverage of Hong Kong insurance is not as extensive as that of the Mainland, but it is more targeted. Hong Kong high-end medical insurance premiums are cheap, and the coverage is higher, you can also choose a certain range of medical expenses out-of-pocket, beyond the scope of the insurance company to pay.
High-end medical insurance is mainly for high-end customers, whether high-end medical or general medical insurance, are consumer insurance products, if there is no claim, usually does not return the principal. Insurance industry insiders suggest that if the economic conditions are average, given the high annual premiums there is no need to buy high-end medical insurance. Some insurance company personnel explained that critical illness insurance is more targeted, high-end medical insurance is more universal, if the funds are limited, it is recommended to configure critical illness insurance + general medical insurance, to achieve a more comprehensive protection.
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