So what are the features of high-end medical insurance?
1. Not limited by social security coverage
High-end medical insurance further relaxes the limitations of special medical care, free choice of hospitals and reimbursement of out-of-pocket medicines, so that the insured person's access to medical care is more humanized and can obtain more adequate protection.
2. Guarantee or payment of medical bills
Generally, the reimbursement nature of medical insurance allows consumers to advance their own medical bills first, and then use the medical bills to reimburse the medical bills.
This kind of advance payment and then reimbursement can reduce the financial burden, but it is difficult to solve the urgent needs, and is not very friendly to families who have difficulty in coming up with so much money for medical treatment at the moment.
High-end medical insurance generally has a direct payment function, which can avoid the above situation of not being able to come up with the medical expenses and not being able to seek timely medical treatment, and the insurance company will pay the medical expenses directly first, so that the patient's family no longer needs to pay the medical expenses first.
3. Wide range of coverage
High-end medical insurance has a wide range of coverage, not only for traditional Chinese medicine, physiotherapy and other elements not covered by ordinary medical insurance, but also for organ transplants, cancer treatments, and other major diseases can be reimbursed.
And it also provides quality services such as staying in high-end wards and specialized escort.
Summary:
Overall, high-end medical care can provide consumers with services that ordinary medical insurance can not provide, and there are very few restrictions by the social security system, which can bring more comprehensive protection to consumers.