Compared with ordinary commercial health insurance, high-end medical insurance further relaxes the restrictions on special medical care, free choice of hospitals and reimbursement of drugs at one's own expense, which makes the insured more humanized and fully guaranteed, and is completely free from the restrictions of social security scope.
It's also a kind of insurance, but the cost is higher than usual.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.