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Compared with other types of insurance, the biggest feature of high-end medical insurance is that it can get 100% reimbursement of various medical expenses for hospitalization, and the cost of insurance is relatively high, so how much is high-end medical insurance a year? Then please consult Chengdu Jiusheng Wealth Company for high-end medical care.
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1. The origin and development of high-end medical care.
High-end medical insurance is a high-end medical insurance product developed for high-end people, with a high insurance amount, breaking through a series of restrictions such as medical location, hospital type, and drug catalog, and can realize direct payment of insurance companies and hospital expenses.
High-end health insurance is the standard and usual private health insurance service in the West. From 1995 to 2000, many foreign business people and executives of foreign companies encountered many difficulties in seeking medical treatment after arriving in China, such as different languages and inconvenient reimbursement, so high-end medical care was introduced into China.
With China's accession to the WTO and the hosting of the Olympic Games, China's exchanges with other countries have become more frequent, and the number of foreigners has gradually increased. And China's local high-net-worth individuals are no longer satisfied with general basic medical services. Private hospitals with good medical environment, no need to queue, no cross-infection, and good privacy are becoming more and more popular.
Therefore, since 2010, high-end medical care has also become popular in China.
Second, the characteristics of high-end medical insurance.
According to the first high-end medical insurance, we analyze the characteristics of high-end medical insurance, as follows.
Feature 1: Ultra-high sum insured.
Most of the high-end medical master insurance is set at a relatively high sum insured, such as 5 million, 16 million or even no upper limit. This allows high-end customers not to worry about the problem of insufficient medical expenses.
Feature 2: Multi-region selection.
You can choose the area that the insurance can cover according to your needs, such as Chinese mainland, Greater China, global except the United States, global and so on.
Feature 3: Break through the restrictions on medical treatment points.
Traditional commercial medical insurance and social security only reimburse medical expenses in the general department of public hospitals, while reimbursement of high-end medical insurance can be carried out in the general department, special needs department, international department of public hospitals, as well as private hospitals and expensive private hospitals.
Feature 4: Broad medical coverage.
First of all, the traditional commercial medical insurance can only be reimbursed for low-cost commonly used drugs and designated medical devices and methods on the "Basic Medical Insurance Drug Catalog". The high-end medical treatment can fully cover the cost of various self-financed drugs, imported drugs, and imported medical devices; As long as it is medically necessary, any kind of means and drugs can be used.
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Not necessarily, it is recommended to apply for the products of domestic insurance companies, because whether the terms of the policy are useful to mainlanders, it is recommended to study the terms more.
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Chengdu Jiusheng Wealth Company's Hong Kong insurance in terms of claims.
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Buy insurance according to your actual situation, don't blindly follow the trend.
Hong Kong insurance is indeed good, but without a global asset allocation plan, domestic insurance is more than enough.
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Overseas insurance has become an increasingly important choice for high-net-worth individuals in asset allocation. You may have heard more or less about overseas insurance.
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Although the equity traded is a company registered overseas, its shareholders are still domestic companies. If the shareholder of the overseas company is the domestic company and not your friend (individual), you should not have remitted the money to your personal account, and did not ask a lawyer to review your equity investment agreement to review the feasibility and legality of its implementation. It should be noted that it is not against the law for you to conduct equity transactions and remit funds directly to your personal account, but it is obviously not in line with the general practice of equity transactions.
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High-end medical services are an emerging industry in the field of medical and health care, which is very different from ordinary medical services. At present, Parkway Medical is at the forefront of this field in China, and the high-end medical service industry is a key area for the development of the health service industry, but due to the continuous expansion of special services in public hospitals and the "glass door" of social medical policies, the development of China's high-end medical service industry is still in the early stage. In fact, the high-end medical service industry has begun to take shape in some countries (especially developed countries), and has accumulated rich experience in terms of development foundation, operation mode, and security system.
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Now the houses in Creeping Tooth are quite high, and they don't seem to be cheaper than those in China, if it weren't for immigration, I wouldn't want to buy a house over there. Of course, Chengdu Jiusheng Fortune Company's overseas real estate is good.
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The benefits of overseas property vary from country to country. Let me take the Philippines as an example.
Returns on investments. At present, in Southeast Asia, the Philippines is second only to Singapore and Thailand in terms of housing prices, and the Philippines, especially Manila, has the highest rental yields in Asia. And the future demand cannot be met by the real estate projects under construction in advance.
Property in the Philippines is freehold. There is no such thing as 70 years or 99 years.
There is no shared area for real estate in the Philippines. The actual area of the 100-square-meter house you buy is 100 square meters.
If you are at least 35 years old, then you also apply for a green card in the Philippines for special retirement immigration. In the future, you will be able to enter and exit the Philippines anytime and anywhere. It's convenient to invest in schooling here. Children also have the opportunity to return to China as overseas Chinese students to take the college entrance examination.
Pinnacle has a Philippine real estate agency license and can handle all real estate projects in the Philippines.
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Try to buy real estate in developed countries.
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Xueba talks about insurance, focusing on insurance product evaluation! Step-by-step instructions on how to choose the best insurance! Ultra-complete! Comparison table of popular medical insurance in China, click to claim now, I believe it can help you!
1. What are the advantages of high-end medical insurance?
High-end medical insurance is a kind of commercial medical insurance, so "high-end" is in **, which can be simply summarized in four words: "how fast and good to save":
1. "Many": more protection.
In addition to normal outpatient and hospitalization, the coverage of high-end medical insurance is particularly wide, and the expenses of room and board, bed companionship, physical examination, childbirth, vaccination, and dental ** can be reimbursed. Moreover, the sum insured is also very high, starting from 10 million, and some top high-end medical care can achieve no upper limit on the sum insured.
2. "Fast" :** No need to wait, no need to queue for medical treatment.
3. "Good": good medical environment, good service and good experience.
4. "Provincial": time-saving, labor-saving, worry-free.
The service network of high-end medical care is very strong, and the green channel service for medical treatment is very perfect.
2. Is Pacific Insurance Company recommended for medical insurance?
1. Pacific Insurance's medical products mainly include medicine and worry-free, happy million, children's super medical outpatient emergency medicine, too health and other products are its main promotions. So, someone has to ask, is Pacific Insurance reliable? Take a look at this article:
How is Pacific Insurance, is it reliable, and what are the pitfalls and routines?
2. Pacific Health Plus:
Tai Health Plus is a new medical product that can be purchased separately or insured as a family unit recently, with an individual insurance amount of up to 6 million (not limited to medical insurance). In fact, the annual insurance amount of 6 million yuan is enough for our ** expenses in the general department of public hospitals above the second level, and no matter how high the insurance amount is, it is not needed.
However, this product has such a stipulation: ordinary hospitalization or critical illness hospitalization can only be reimbursed within 180 days a year, which is not friendly to consumers.
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If you purchase Pacific high-end medical insurance in China, you can enjoy the global Pacific high-end medical insurance protection abroad, and medical outpatient, emergency, various examinations, surgeries, hospitalizations, etc. can be reimbursed by insurance! Save money, save trouble. Pacific Premium Medical Insurance is also a great help for visa applications!
Travel: The difference between Pacific Premium Medical Insurance and ordinary travel accident insurance is that Pacific Premium Medical Insurance can see any outpatient and emergency services, such as colds, fevers, stomach headaches, etc., and even surgery and hospitalization.
Travel accident insurance only covers accidents, emergency medical treatment, etc. Executive medical benefits: Listed companies and large enterprises invest tens of thousands of dollars to purchase Pacific high-end medical insurance with an insurance amount of about 16 million yuan for senior management talents every year, which has become an effective means for many enterprises to attract and retain talents!
Baby's high-end medical appeal points 1, parents' time cost 2, special outpatient clinic 3, shortage of medical resources, difficult 4, medical environment and service 5, high medical costs in private or foreign-funded hospitals 6, imported drugs, imported medical devices, self-financed drugs ......Direct payment of medical treatment for high-end medical care Direct payment of insurance is different from advance payment (the traditional form of paying for reimbursement after paying for a doctor is called "advance payment"), which is one of the main symbols of high-end international medical and health insurance. This method not only greatly facilitates customers' medical treatment, saves time, improves medical efficiency, and improves medical experience, but also is an important means for insurance companies to settle claims. It should be noted that the vast majority of high-end international medical insurance currently sold in China has a wide range of service networks, and the claims hospitals can go to Beijing, Shanghai, Guangzhou, Jiangsu, Zhejiang, etc. (domestic), the United Kingdom, France, Germany, Taiwan, etc. (international), and can cover all formal medical institutions, including special outpatient clinics, special wards, imported drugs and imported medical devices.
Conclusion: People's needs are constantly changing, in order to meet people's increasing needs, Pacific Insurance has launched high-end medical insurance.
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