What is high end medical insurance? What is high end medical insurance?

After 1995, China's economic exchanges with foreign countries have become more and more frequent, and in order to better meet the medical needs of foreigners in China (including medical experience, convenience of settlement, etc.), many insurance companies operating commercial medical insurance abroad have expanded their insurance service networks to Chinese mainland.

Gradually, some wealthy families in Chinese mainland have also begun to allocate this insurance product with direct payment function, which can reimburse the medical expenses of private hospitals, and the high-end medical insurance market in Chinese mainland has grown.

The reason why high-end medical insurance is high-end can be analyzed from the following aspects:

1. Abundant medication and means.

Based on the principle of reasonableness and necessity, some high-end medical products can cover drugs and ** means that have not yet been approved for marketing in Chinese mainland.

2 High coverage amount.

The reimbursement limit of many products can reach tens of millions, and some products can even achieve no upper limit.

3 Wide geographical coverage.

Many of the products can be extended to a global area.

The figure above shows the 5-year survival rate of malignant tumors in different countries. Wider coverage not only means more convenient medical services, but also better medical resources.

4. There are many protection items.

It can cover not only inpatient and special outpatient clinics, but also general outpatient clinics, maternity, ophthalmology, dentistry, physical examinations and vaccines.

5 Wide range of hospitals.

Many commercial medical insurance policies will limit the nature and level of the hospital, but high-end medical insurance can expand the scope of the hospital to all legal medical institutions.

6 Convenient claims.

Unlike many medical insurances, which require insurance customers to settle with the hospital first, and then take the hospital's invoice to the insurance company for reimbursement, high-end medical insurance supports insurance customers to sign and leave after the end of the medical treatment, and the cost of the medical treatment will be directly settled by the insurance company and the hospital.

Finally, you can make a comparison of different types of medical insurance (the comparison chart can be searched and viewed):

One of the biggest features of high-end medical insurance is that it is high-end, which is not suitable for most people to buy, and it is specially set up for high-income and high-consumption people. Therefore, the amount of insurance is particularly high, the premium is also expensive, and the protection is also particularly comprehensive, which is a medical insurance that can solve almost all medical expenses on the market.

What are the advantages of high-end medical insurance?

1.There are many places to seek medical treatment.

We all know that if you want to be reimbursed by general medical insurance, you must be treated in a designated medical institution (public level 2 or above), while high-end medical insurance has almost no restrictions on the location of medical treatment, and the insured can choose to go to the best hospital**, such as the special needs department of a public hospital, the international department, or a high-end private hospital, or even choose to go abroad**.

2.Wide coverage.

The reimbursement scope of high-end medical insurance is very wide, first of all, there is definitely no medical insurance restrictions, and secondly, general medical insurance can only reimburse high medical expenses such as outpatient, hospitalization, surgery, etc., and this kind of insurance can be reimbursed as long as the premium is enough, and the expenses of physical examination, dentistry or maternity can be reimbursed.

3.Access to high-quality medical care.

High-end medical insurance can also enjoy high-quality medical services, which can be arranged according to the needs of the insured, fundamentally solving the problems of difficult medical treatment, poor environment and long waiting time.

4.Medical expenses are paid directly.

In the process of general medical insurance, customers usually need to pay the medical expenses in advance, and then they can be reimbursed after the end, so that patients or family members may be troubled by the expenses. The payment function of high-end medical insurance solves this problem very well, and the medical expenses incurred will be paid directly by the insurance company to the medical institution.

In the case of guaranteeing the best cost, high-end medical insurance takes into account the perspective of medical services, and commonly expands the special needs department of the hospital, the international department, and provides services such as direct payment from the hospital and maternity benefits.

High-end medical insurance has some such characteristics.

1. The insurance amount is high, the insurance amount of high-end medical treatment is very high, and the insurance amount for hospitalization can range from a few million to tens of millions;

Second, the scope of treatment is wide, among all commercial medical insurance, high-end medical insurance has the widest range of hospitals, and you can choose Chinese mainland, Hong Kong, Macao, Taiwan and even the world;

Third, there is a wide range of hospitals, and general medical insurance can only be reimbursed for treatment in public hospitals of the second level or above;

The high-end medical hospitals will include public hospitals, international special needs departments of public hospitals, private hospitals and expensive hospitals, so that everyone can enjoy a superior medical experience and medical environment.

Fourth, the scope of protection is wide, and the ordinary million-dollar medical insurance has a single liability, and generally only inpatient and outpatient liability. There are many responsibilities of high-end medical insurance, not only basic hospitalization, but also general outpatient clinics, which may include dental examinations, vaccines, maternity responsibilities, newborn care, medical rescue, etc.

Fifth, premiums are expensive. The high-end medical insurance is so good, the premium is naturally not low, and the more the content of the protection, the higher the premium. Different companies have different premiums for high-end medical insurance**Generally from 10,000 to 100,000.

There is also a value-added service of high-end medical insurance, which is to use an insurance card of the insurance company when paying for medical treatment, and after the treatment, you can directly swipe the card and sign it. This eliminates the need for a cumbersome claims process.

High-end medical insurance is actually more suitable for families with higher annual incomes. For our average family, a million-dollar medical insurance can basically cover the basic needs of serious illnesses.

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Sycamore Tree Insurance Network helps you answer your questions

Compared with low-end and mid-end medical insurance, the high-end of high-end medical insurance is reflected in the following points:

1. The sum insured is high and the premium is high.

High-end medical insurance is actually a product designed for high-end consumers such as the middle class, and the general population is often not used, it has a higher amount of insurance, usually millions, and can be as high as tens of millions, but at the same time, the premium is also higher.

High-end medical insurance is a consumer-based medical insurance, with a coverage period of one year, and premiums can reach thousands to tens of thousands of yuan or even higher.

2. Break through hospital and geographical restrictions.

Social medical insurance and general commercial medical insurance have strict agreements on the clinic or hospital where they seek medical treatment, while high-end medical insurance usually does not, whether it is a private hospital, a public hospital, or a foreign medical treatment, you can get a claim.

High-end medical insurance mainly focuses on service, and its service content is much more than that of ordinary medical insurance. It not only covers hospitalization and surgical expenses, but also provides critical illness** protection, post-discharge services****, etc. It also includes some relatively high-end value-added services, including green medical channels, advanced medical care, emergency medical rescue, overseas medical treatment and other projects.

4. It can cover special diseases.

High-end medical insurance can also protect some special diseases, which is not included in the general medical insurance, general medical insurance will list some special diseases as exclusions, but some high-end medical insurance can provide protection for AIDS and mental illness.

Whether in terms of coverage or service content, high-end medical insurance has more advantages than general medical insurance, but it should be noted that the premium of high-end medical insurance is much higher than that of ordinary medical insurance.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

To put it simply, the so-called high-end medical insurance is a medical insurance that can enjoy the top famous doctors, the most advanced medical means and mechanism medical experience, and so on.

Compared with general medical insurance, high-end medical care has a wider range of reimbursable hospitals and wards; The experience of seeing a doctor is better, and it does not take a long time, and it can be done "in one stop"; The coverage is more comprehensive, and you can freely add-on, deductible and sum insured can also be set by yourself.

Of course, there is no doubt that the premium of high-end medical insurance is also relatively expensive, and if it is a working-class family that wants to configure medical insurance, it is actually more recommended to choose millions of medical insurance, which is more cost-effective.

Generally speaking, in addition to general inpatient medical treatment, million medical insurance usually has hospitalization medical protection for specific diseases and critical illnesses, as well as special drug insurance benefits, outpatient surgery, outpatient and emergency medical treatment before and after hospitalization, etc., and the protection content is still very rich, which can provide more comprehensive protection.

Wondering if taking out medical insurance conflicts with other insurance? You can see:What is the difference between critical illness insurance, medical insurance, accident insurance, and life insurance? Will there be a conflict when making a claim?

If you want to buy insurance products, the senior sister suggests that you should take a look at more similar products, and then choose them based on your actual situation after comparison. However, the million medical insurance is a one-year product, and you need to pay attention to whether there is a guarantee renewal when applying for insurance, otherwise after the insurance, once the coverage expires, you need to apply for insurance again, and you can only renew the insurance after passing.

At present, there is a medical insurance on the market that can guarantee the renewal of the policy for 20 years, if you are interested, you can see:Ping An e-life insurance long-term medical insurance product portfolio is coming, this defect should be paid attention to!

That's all I've got on the issue, I hope it helps! Hope!

In order to let you have a deeper understanding of high-end medical insurance, the following dad will tell you what are its characteristics, so as to deepen everyone's understanding of high-end medical insurance.

1.Not subject to social security coverage

High-end medical insurance further relaxes the restrictions on special medical treatment, free choice of hospital and reimbursement of self-financed drugs, so that the insured can be more humane and can obtain more adequate protection.

In addition, high-end medical insurance is generally not limited to hospitals, allowing consumers to choose private or foreign-funded international hospitals, so as to enjoy the best medical resources.

2.Medical expenses can be guaranteed or paid

Generally, medical insurance in the form of reimbursement allows consumers to pay their own medical expenses first, and then use medical bills to reimburse medical expenses.

Although this method of paying in advance and then reimbursing can reduce the financial burden, it is difficult to solve the urgent need, and it is not very friendly for families who are unable to spend so much money to see a doctor for a while.

However, high-end medical insurance generally has the function of direct payment of medical expenses, which can avoid the above-mentioned situation of not being able to take out medical expenses for a while and cannot seek medical treatment in time, and the insurance company will directly pay the medical expenses in advance, and the patient's family will no longer need to pay the medical expenses in advance.

3.Wide coverage.

High-end medical insurance has a wide range of coverage, not only for traditional Chinese medicine, physics and other things that are not covered by general medical insurance, but also for organ transplantation, cancer** and other major diseases can also be reimbursed.

At the same time, it can also provide high-quality services such as living in high-end wards and being accompanied by special personnel.

The above is roughly the characteristics of high-end medical insurance, from which it can be seen that the service of high-end medical insurance is indeed very good, the protection is very comprehensive, and it is more suitable for people with better economic conditions and want to get better medical insurance.

Many people are certainly no strangers to or have purchased millions of medical insurance, but many people are relatively unfamiliar with high-end medical care, in fact, high-end medical products are sold in Bupa in the UK, Allianz, China Merchants Cigna, Taikang and other insurance companies. Let's get to know it briefly before learning about high-end medical care"High-end medical insurance helps you solve the difficulty of seeing a doctor".

High-end medical care is a kind of commercial medical insurance that breaks through the restrictions of national medical insurance, and generally provides high-quality medical security and services for high-income groups such as performing arts stars and elitesWhat are its advantages, let's briefly analyze it.

1. The sum insured is sufficient

High-end medical care is a consumer-oriented insurance product that pays for one year and pays for one year, with annual premiums as low as thousands of yuan and as high as hundreds of thousandsThe sum insured is usually in the millions, and the most can be tens of millions.

2. Free choice of hospital

General medical insurance can usually only be reimbursed in designated hospitals, while high-end medical care can only freely choose public, private or foreign-funded hospitalsThere are also major foreign guest hospitals, special hospitals and foreign medical institutions in China to choose from.

3. It has a wealth of medical services

High-end medical care includes traditional Chinese medicine, physics** and other general medical insurance not included, overseas medical treatment, hospitalization, outpatient, organ transplantation, physical examination and other high comprehensive medical expenses protection, such as dental, ophthalmology, fertility and other personalized medical items are also provided.

If the insured person is treated at an insurance company's partner hospitalYou can also use the direct billing service, as long as you swipe your card and sign, the cost of the hospital will be billed directly by the insurance company.

4. Break through the restrictions on social security reimbursement

The insured does not need to consider the reimbursement restrictions of social security when seeking medical treatment, and expenses such as non-social security listed drugs, imported drugs and imported medical equipment can be reimbursed.

SummaryAlthough high-end medical care can give better medical services and protection to the insured, the high annual premium is also difficult for ordinary people to afford. In fact, the millions of medical insurance that are only a few hundred dollars a year can also provide the medical protection that ordinary people need"National Popular Million Medical Insurance Comparison Table".