In China, "seeing a doctor is difficult and expensive" has become a chronic social disease. Many people are already complaining about the troubles they face when seeking medical treatment, including difficulty in making appointments with doctors, long queue times, and poor physical sensation during medical treatment. In order to solve the problem of medical treatment for Chinese people, insurances currently designed for high-end groups, with ultra-high insurance coverage, breaking through the restrictions of national medical insurance, direct payment for medical treatment, and covering a wide range of medical expenses, also known as "high-end medical health insurance", are gradually becoming more and more popular in the market. . Regarding the guide to medical insurance reimbursement, I have just compiled relevant content. I hope it will be helpful to you: How to use social security and medical insurance? This article teaches you the reimbursement application process!
As far as I know, Cigna's newly launched high-end medical insurance "Enjoy Life" is very good. It is very high-end and classy, ??and it is highly flexible and has a variety of options. The protection plan alone is divided into Three types, there is always one suitable for you. Without further ado, let’s talk to you in detail about the protection plans of Jinxiang Life’s high-end medical insurance. What kind of good medical insurance is there? Which one is worth buying? Take a look at this year’s top 10 best-selling insurance policies from insurance companies: What are some good medical insurance recommendations? An inventory of the top 20 best-selling high-quality medical insurances in 2020
What is the high-end medical insurance protection plan of Chuxiang Life?
Cigna Merchants has three high-end medical insurance plans: Global Plan, Media Asia Plan and China Plan.
The following is a detailed introduction to you.
The first type: Global plan
1. The coverage area is the whole world or the world except the United States;
2. The medical network is all hospitals (except in the United States) The network hospital's self-pay ratio is 20);
3. The medical liability for hospitalization and day ward is up to 8 million yuan;
4. The optional deductible for hospitalization and day ward is 0 yuan respectively. You can choose from four levels: 10,000 yuan/10,000 yuan/20,000 yuan/50,000 yuan;
5. The self-pay ratio of non-public hospitals is 0 or 20;
6. There are two optional protections, namely extended medical protection with a sum assured of NT$200,000; and comprehensive dental protection with a sum insured of NT$10,000 or NT$30,000. Policyholders of these two protections can choose according to their own needs.
Second type: Media Asia Plan
1. The coverage area is all of Asia;
2. Medical network: all hospitals except specific hospitals;
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3. Medical liability for hospitalization and day ward: 5 million yuan;
4. Optional deductible for hospitalization and day ward: 0 yuan/10,000 yuan/20,000 yuan /Four levels of 50,000 yuan are available;
5. Extended medical insurance (optional protection): 100,000 yuan;
6. Non-public hospital self-pay ratio: 0 or 20 optional;
7. Comprehensive dental insurance (optional insurance): 10,000 yuan.
Third type: Shenzhou Plan
1. Coverage area: Mainland China; 2. Medical network: public hospitals and preferred medical institutions; 3. Inpatient and day ward medical responsibilities: 3 million yuan; 4. Optional hospitalization and day ward deductible: 0 yuan/10,000 yuan/20,000 yuan/50,000 yuan; 5. Extended medical insurance (optional protection): 50,000 yuan; 6. Non- Public hospital out-of-pocket ratio: None;
7. Comprehensive dental insurance (optional insurance): 10,000 yuan.
When insuring this product, the policy holder needs to pay attention to the following points:
The first point: The policy holder needs to pay attention to the fact that the age of the insured for this insurance product should be From 30 days old to 60 years old, the policy can be renewed to 99 years old, and the coverage period is one year. There is no waiting period for this product except for optional dental.
Second point: Unless a major life event occurs, this insurance product can only add or reduce the insured at the time of renewal. If a major life event has occurred, this insurance product can increase or decrease the number of insured persons affected by the major life event during the policy period.
Major life events include: marriage; formation of a partnership recognized by the country of nationality or permanent residence; divorce; birth of children; adoption of children; death of spouse, partner or child.
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The third point: policyholders can request to change the deductible when renewing the policy. Insurance companies may require policyholders to fill out health questionnaires and may attach special coverage conditions or special liability exemptions.
Point 4: If you have previous symptoms, you cannot get compensation. Because pre-existing conditions and any related symptoms or signs fall within the scope of liability exemption, policyholders must read the insurance terms clearly before purchasing insurance to avoid unnecessary disputes during claims settlement.