Most people have heard of or purchased million-dollar medical insurance, but most people don't know about high-end medical, in fact, insurance companies like BUPA, Allianz, China Merchants Trust, Taikang and so on have high-end medical products.
High-end medical as a kind of commercial medical insurance to break the limitations of medical insurance, to provide quality medical insurance and services, the object is basically to the high-income groups such as actors and actresses, elite people, that the high-end medical specific advantages, the next roughly analyze. For more information about high-end medical insurance, please see:"High-end medical insurance, the end of the difficult to see the doctor!
1, sufficient coverage
High-end medical is a kind of payment one year to protect a year of consumer products, premiums per year a few thousand to more than a hundred thousand are, the amount of coverage is generally a few million, and more than tens of millions of dollars.
2, independent choice of hospital
Ordinary medical insurance can only be reimbursed in the designated hospitals, but the high-end medical not only independent choice of public, private or foreign-funded hospitals, but also free to choose the major foreign hospitals in China, hospitals for special needs and foreign medical institutions.
3, a wealth of medical services
High-end medical care includes traditional Chinese medicine, physiotherapy, which is not covered by ordinary medical insurance, such as overseas medical treatment, hospitalization, outpatient, organ transplantation, medical examination and other high-cost comprehensive medical expense protection are provided, as well as dental, ophthalmology, maternity, and other personalized medical projects.
If the hospital the insured person visits is a partner hospital of the insurance company, he or she can also use the direct payment service, which only requires a signature on the card, and the hospital charges will be settled by the insurance company directly.
4, break through the social insurance reimbursement limit
The insured person can not take into account the social security reimbursement limit, imported medicines, imported medical equipment and non-social security catalog drugs and other costs, high-end health care is also reimbursable.
What are the best high-end medical insurance policies to buy? Check out this article:"High-end Medical Insurance Worth Buying in 2021!
Summary:
While high-end healthcare can provide better healthcare services and coverage, the high annual premiums are not affordable for the average person. In fact, the annual but a few hundred dollars of million medical insurance can meet the needs of the average person's medical insurance, if you want to know which million medical insurance cost-effective, then be sure to compare:"Super full!
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