High end medical insurance, where is the high?

Direct payment and priority arrangement for medical treatment in network hospitals, VIP wards, private visits, and global support** reimbursement.

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 configure this kind of insurance product with direct payment function (the palace Zhonghao "governs the insurance party", so that the insurance is not expensive) and 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:

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.

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

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.

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

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.

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:

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.

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