Whether it is necessary to buy high-end medical insurance depends on the situation. You can choose high-end medical insurance if you have economic strength. After all, the advantages of high-end medical insurance are:
1, high-end medical insurance coverage is relatively high, such as 8 million,160,000, etc. There are also some top-level high-end medical insurance, which can realize unlimited coverage, high coverage and multiple reimbursement, and can enjoy the direct payment function, and insurance companies and hospitals can directly settle accounts.
2. High-end medical insurance covers a wide range, except for normal outpatient and hospitalization, accommodation, bed-accompanying expenses, physical examination, childbirth, vaccines and dental related expenses can be reimbursed. It has broken through the restrictions on self-funded drugs, imported drugs and imported medical devices, and the scope of protection far exceeds social security reimbursement.
3. There are more choices for medical institutions. General commercial medical insurance is used for reimbursement of medical expenses in general departments of public hospitals. Besides reimbursement in general departments of public hospitals, high-end medical insurance also includes medical expenses in special needs departments, international departments, international hospitals and expensive private hospitals, and can also be selected within the scope of cooperation. Such as the United States, Europe, Canada, Japan and so on.
4. High-end medical insurance can enjoy a better medical experience, because high-end medical insurance can provide docking with expensive private hospitals, special needs departments and international departments, enjoy a comfortable medical environment through appointments, and avoid long queues in ordinary hospitals. The doctor explained the trouble in detail.
5. Transfer risks and turn uncertainty into certainty. After all, personal risks are usually manifested as diseases and accidents, and risks are transferred through insurance. For high-net-worth people, once a disease occurs, medical expenses are uncertain. There is also high-end medical insurance, and the risk is transferred to insurance companies. In case of illness or accident, don't worry about treatment.
High-end medical insurance is a series of restrictions, such as high security, breakthrough medical location, hospital type, drug list and so on. The high-end medical insurance resources provided can't be covered by ordinary medical insurance, which means that it can provide better service, higher cure rate and less pain for the insured. It just shows that the premium of high-end medical insurance is expensive, and the ability to pay and economic strength need to be fully considered.
Is it necessary to buy high-end medical insurance? This question ends here. I hope the above will help you.