When we use social security to reimburse medical expenses, there are usually many restrictions. For example, some imported drugs or items beyond the scope of social security cannot be reimbursed, and the same is true for ordinary commercial medical insurance, which can only reimburse medical expenses within the scope of social security and play the most basic supplementary role. However, high-end medical insurance has broken through the restrictions of social security. Generally speaking, high-end medical insurance can be reimbursed, even higher, whether it is outpatient service, hospitalization, surgical expenses or social security self-funded drugs.
2. High insurance coverage
High-end medical insurance is consumer medical insurance, and the guarantee period is generally one year. However, its insurance coverage is very high, usually reaching millions or even tens of millions, which is very sufficient, but at the same time its premium will be relatively high. High-end medical insurance is actually aimed at high-end consumers and may not be suitable for ordinary families.
3. Break through hospital restrictions
Social medical insurance and general commercial medical insurance will clearly stipulate the outpatient or hospital where the insured goes to see a doctor, while high-end medical insurance usually has no hospital restrictions, and claims can be made in private hospitals, public hospitals or even overseas.
4. A wider range of services
Compared with social medical insurance and general medical insurance, high-end medical insurance is very prominent in service. It not only includes reimbursement of a series of medical expenses, such as hospitalization, surgery, and serious illness treatment, but also provides rehabilitation services and health services. If the insured encounters an emergency abroad, he can also get 24-hour global emergency rescue service, and can immediately send him to a local hospital for treatment.
5, underwriting special diseases
General medical insurance will exclude some special diseases, but high-end medical insurance can also provide protection for some special diseases, such as AIDS and mental illness treatment. High-end medical insurance is much higher than social medical insurance and general medical insurance in the scope and amount of protection, but high-end medical insurance needs to pay higher premiums and has some exclusions. If you choose to insure high-end medical insurance, you also need to read the insurance terms clearly.