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Compared with the low-end and mid-range medical insurance, high-end medical insurance high-end embodied in the following points:
1, high amount of coverage, high premiums
High-end medical insurance is actually for the middle class and other high-end consumer products designed for the general public often can not be used, which has a high amount of coverage, usually millions of dollars, high up to tens of millions of dollars, but at the same time, higher premiums. It has a higher sum insured, usually in the millions, or tens of millions, but at the same time, the premiums are also higher.
High-end health insurance is consumer health insurance, which usually covers a period of one year, while premiums can reach several thousand dollars to tens of thousands of dollars or more.
2, break through the hospital and geographical restrictions
Social health insurance and ordinary commercial medical insurance, there are strict agreements on the clinic or hospital, but high-end medical insurance is not, no matter whether it is a private hospital or public hospitals, or in foreign countries, will be able to get claims.
3. More services
High-end medical insurance mainly focuses on services, which are much more than ordinary medical insurance. It not only covers hospitalization and surgical expenses, but also provides coverage for serious illnesses and post-discharge rehabilitation services. It also includes some higher-end value-added services, including green medical channels, advanced medical care, emergency medical assistance, overseas medical treatment and other programs.
4, can cover special diseases
High-end medical insurance can also cover some special diseases, which is not included in the general medical insurance coverage, the general medical insurance will be excluded from some special diseases, but some high-end medical insurance can provide protection for the treatment of AIDS, mental illness.
Whether from the scope of coverage or the content of the service, high-end medical insurance than the general medical insurance have more advantages, but need to pay attention to is that the premiums of high-end medical insurance than ordinary medical insurance is much higher, whether it is low-end, mid-range, high-end medical insurance products, should be configured according to the needs of their own products is the most cost-effective products.