With the significant development of the insurance industry and the popularization of social insurance and new rural medical insurance, people are no longer marveling at whether they enjoy insurance, but are concerned about which insurance they enjoy? Whether they need to add more multiple health insurance coverage. Communities, enterprises and institutions, and even townships, the people on the streets and lanes of the discussion is also "which insurance is good? What are the benefits? Is the cost of high-end medical insurance high?" Investment insurance has become a common people in addition to savings, stocks, gold, real estate and other investment and financial management, a trend.
From the point of view of high-end medical insurance on the market, it has always given people a "high protection, high return" intuitive feeling, so many people take it for granted that high-end medical insurance costs are too high for people to get close to, figuratively speaking, "rich people's insurance". An in-depth research by an insurance service organization found that high-end customers have many unique insurance needs, such as high net worth people pay special attention to asset preservation and exclusive services, and these demands have not yet been satisfied from the existing general insurance products, therefore, high-end insurance should be a high-end crowd as the target customers and specially developed insurance products, its unique product form to meet the unique needs of high-end people for insurance protection. unique needs of high-end people." So how much difference is there in the cost of high-end medical insurance over regular medical insurance?
Medical insurance is divided into levels: basic medical insurance, supplementary medical insurance, high-end medical insurance
1, basic medical insurance: is the most mandatory of China's insurance system, organized and implemented by government departments, which is characterized by a "wide coverage, low protection", and its insurance projects and standards and local policies. Its insurance programs and standards are related to local policies. The scope of insurance is regulated by national government departments, and the insurance cost is generally shared by enterprises and individuals*** according to a certain proportion, and the amount of insurance cost is directly related to personal income and local policies, and generally individuals only need to pay a small amount of premiums.
2. Supplementary medical insurance: it is a powerful supplement to basic medical insurance, usually only for enterprise groups to insure, and its protection content is consistent with the basic medical insurance, in the hospital, the use of drugs directory have clear requirements and restrictions, but the reimbursement standard has been greatly improved, and really improve is the medical reimbursement of the enterprise staff treatment. The cost of insurance and the enterprise to choose the protection program and the number of insured people and other factors, the general cost in the annual 500 yuan to 2,000 yuan ranging, credited to the health insurance cash account, with the need for individuals to pay high-end health insurance costs, this part is generally borne by the enterprise. For the health insurance reimbursement strategy, I happen to organize the relevant content, I hope to help you: social security health insurance how to use? An article to teach you to apply for the reimbursement process!
3, high-end medical insurance: a comprehensive solution to the medical protection, breaking through the basic medical insurance medical hospitals, the scope of the restrictions on the use of medication, generally available in the special needs clinic, private medical institutions, and access to the region can be done globally to choose, the scope of the use of medication basically unrestricted. The cost of China Merchants Trust high-end medical insurance is personalized according to the services chosen by the insured, creating a high level of medical insurance that is affordable to the general public. What are the medical insurance policies with good coverage? Which one is worth buying? Take a look at the top 10 hot insurance companies this year: what are some good medical insurance recommendations?2020 hot top 20 quality medical insurance inventory