I want to buy an insurance plan, but I have a limited budget, I want to ask how much is the premium

Many people have heard of or purchased millions of medical insurance, but many people are relatively unfamiliar with high-end medical care, such as Bupa in the UK, Allianz, China Merchants Cigna, Taikang and other insurance companies actually have high-end medical business. Before diving into high-end medical care, you can briefly understand it:"A strong backup for the difficulty of seeing a doctor:

High-end medical insurance

The premium of high-end medical insurance generally starts at a few thousand yuan, and there are tens of thousands or even hundreds of thousands of expensive ones.

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

1. High sum insured

High-end medical care is a consumer-oriented insurance product that pays for one year and pays a premium of several thousand to hundreds of thousands of dollars per yearThe sum insured is usually in the millions, but there are tens of millions.

2. Free choice of hospital

The hospitals that can be reimbursed by general medical insurance are generally designated hospitals, while high-end medical care can not only choose public, private or foreign-funded hospitalsYou can also choose major foreign hospitals, special hospitals and foreign medical institutions.

3. Abundant medical services

High-end medical care includes traditional Chinese medicine and physics** that are not covered by ordinary medical insurance, and can provide high comprehensive medical expenses such as overseas medical treatment, hospitalization, outpatient treatment, organ transplantation, physical examination, etc., as well as personalized medical projects such as dental, ophthalmology, and fertility.

If the hospital where the insured person is visiting is a partner hospital of the insurance companyThere is also a direct billing service, as long as you swipe the card and sign, the cost is billed directly by the insurance company and the hospital.

4. Break the limitations of social security reimbursement

The insured person can ignore the reimbursement restrictions of social security when seeking medical treatment, and the expenses of imported drugs, imported medical equipment and non-social security listed drugs can also be reimbursed.

Summary. Although high-end medical care can provide better medical care and protection, the high annual premium is also unaffordable for ordinary people. 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".Hope!

High-end medical insurance, the annual premium is about 10,000 yuan. It is not appropriate to have a low income.

Buying insurance is tailored to your financial means. The types of insurance are divided into accident, accident medical, hospitalization and critical illness and pension, and critical illness insurance and hospitalization medical insurance are all about medical aspects. The more premium is invested, the higher the protection, the high-end is just a few hundred, and the design is different for different people.

Don't know what your reality is?

There is a high-end, but there are conditions, and the annual income seems to be 20w to buy, which is high and consumer-oriented. It is recommended to buy a critical illness dividend.

It is recommended that you buy a savings return type, and the monthly payment is generally 300-1000 yuan (with value-added return after xx years).

High-end medical insurance is very expensive, ranging from 10,000 yuan to hundreds of thousands of dollars a year, and it is consumption-based (the money paid is not refunded).

And you need to consider whether to buy medical supplementary reimbursement coverage or critical illness coverage.

Hope it helps

Everyone's living standards continue to improve, high-end medical insurance has also begun to appear in the field of vision of the general public, many consumers are interested in high-end medical insurance, but they are not sure whether it is suitable for their own purchase, and they are worried that it will be very expensive.

How much is high-end medical insurance per year?

High-end medical insurance is not cheap, and the annual premium requires thousands of yuan or even tens of thousands of yuan. Different products** are different, even if the same product is insured, the age of the policyholder, the amount of insurance chosen and whether there is social security will also affect the amount of premium.

For example, the selection of worry-free personal high-end medical insurance under Pacific Ocean, the mainland version of 30-year-old men with social security who insure with 0 deductible, requires a premium of 5,195 yuan a year, and can be reimbursed up to 8 million. Ping An Insurance's premium life can be reimbursed up to 4 million, with 0 deductible, and a 30-year-old woman needs a premium of 11,078 yuan for one year; AXA's Elite China Plan, with an insured amount of 12 million and 0 deductibles, is 21,030 yuan a year for 30-year-olds.

What are the advantages of high-end medical insurance?

High-end medical insurance has the following advantages over ordinary medical insurance:

Wider coverage: High-end medical insurance can not only cover the diseases that can be covered by ordinary medical insurance, but also cover the diseases that cannot be covered by ordinary medical insurance, such as maternity, dentistry, traditional Chinese medicine physiotherapy, physical health check-up, and vaccines.

Better medical experience: Provide better medical care, such as direct appointments, avoiding queues, private rooms, etc.

More freedom and flexibility: There is no restriction on hospitals, general medical insurance is generally limited to public hospitals or secondary hospitals, and high-end medical insurance supports medical treatment in private hospitals and even foreign hospitals, and the special needs department, international department, and VIP department can all be guaranteed.

Support direct compensation: When high-end medical insurance is not needed, you can apply for reimbursement by yourself, and the insurance company will settle directly with the hospital in a timely manner.

Whether it is necessary to buy high-end medical insurance depends on whether the individual or family can afford the expensive premiums and whether there is such a demand. If your family conditions are very good, you have the financial ability, and you want to have a more comfortable environment for medical treatment, the process is simpler, and you need high-end medical resources, you can consider buying a suitable high-end medical insurance product.

If your own economic situation is not very good, you just want to solve the problem of difficult and expensive medical treatment, and want to transfer the risk of economic losses caused by treatment, it is enough to buy ordinary medical insurance.

Many people have heard of millions of medical insurance, but not many people know about high-end medical care, in fact, insurance companies such as Bupa in the United Kingdom, Allianz, China Merchants Cigna, Taikang and other insurance companies have high-end medical products.

As a kind of commercial medical insurance that breaks the restrictions of medical insurance, high-end medical care is generally aimed at high-income groups such as performing arts stars and elites to provide high-quality medical security and services. For more information on high-end medical insurance, please see:"High-end medical insurance, the terminator of difficult medical treatment!

1. The amount of protection is high

High-end medical care is a consumer-based insurance product that pays a one-year insurance for one year, with premiums ranging from thousands to hundreds of thousands per year, and the insured amount is usually several million, and many are tens of millions.

2. Free choice of hospital

General medical insurance can reimburse designated hospitals, and high-end medical care can not only freely choose public, private or foreign-funded hospitals, but also major domestic foreign hospitals, special hospitals and foreign medical institutions.

3. It has a wealth of medical services

High-end medical care has traditional Chinese medicine, physics ** and other general medical insurance is not included, can provide overseas medical treatment, hospitalization, outpatient, organ transplantation, physical examination and other high comprehensive medical expenses protection, but also provide dentistry, ophthalmology, fertility and other personalized medical projects.

If the insured person is treated at the insurance company's partner hospital, there is also a direct billing service, which only needs to be signed by the credit card, and the cost will be settled directly by the insurance company and the hospital.

4. Break the limitations of social security reimbursement

The insured does not need to consider the reimbursement restrictions of social insurance when seeking medical treatment, and high-end medical treatment can reimburse the expenses of imported drugs, imported medical equipment and non-social security listed drugs.

So what are the high-end medical insurance that is worth buying? Take a look at this:"High-end medical insurance worth buying in 2021! 》

Summary: Although better medical services and protection can be enjoyed through high-end medical care, the high annual premiums are unaffordable for ordinary people. In fact, the million medical insurance that is only a few hundred yuan a year can also provide the medical protection that ordinary people need

"Super Complete! Comparison Table of Popular Million Medical Insurance in China

[Written at the end].

I am [Xueba Says Insurance], focusing on objective, professional and neutral insurance evaluation;

I will give you the most professional advice with years of experience in configuring insurance for 10w+ families.

Summary. Hello, dear, I'm honored to answer for you! High-end medical insurance, insurance 16 million, the cost of about 2,000 yuan, high-end medical insurance compared with ordinary million medical insurance, the biggest feature is that in high-end private hospitals can also be reimbursed.

However, in order to protect what has not happened, if you need to go out of business, the high-end million medical insurance can be said to be a "worry-free" experience. The reason why high-end medical insurance has been favored by some people in recent years lies in its "how fast and easy it is".

High-end medical insurance, covering 16 million, how much does it cost?

Hello, dear, I'm honored to answer for you! High-end medical insurance, insurance 16 million, the cost of about 2,000 yuan, high-end medical insurance compared with ordinary million medical insurance, the biggest feature is that in high-end private hospitals can also be reimbursed. However, in order to protect what has not happened, if you need to go out of business, the high-end million medical insurance can be said to be a "worry-free" experience.

The reason why high-end medical insurance has been favored by some people in recent years lies in its "how fast and easy it is".

1.It has a wide range of coverage, and there are many high-end medical insurance protections, which can reimburse the general outpatient and inpatient medical expenses covered by general medical insurance, and it can also reimburse the dental expenses and vaccinations that are not covered by ordinary outpatient insurance. And some major diseases need to use high-end means, some general medical insurance has certain restrictions on the insurance of this type of medical expenses, but some high-end medical insurance can also be reimbursed.

2.Get medical treatment fastUse high-end medical insurance, skip the queue for medical treatment, see a doctor quickly, and be time-efficient. Many major diseases need to be solved by a specialist and a special person for special consultation.

3.If you can get a single ward, special consultation and other services, it is of course more conducive to the patient's **. 4.

High-end medical insurance can really help you save money. If you want to get better foreign medical resources for malignant tumors or other rare diseases, high-end medical insurance can also help you "save money". However, now many ordinary million-dollar medical insurance can also be attached to the protection of medical treatment abroad, such as Zhong'an Exclusive e-Life 2020 is one of them.

On a daily basis, if you are not a friend with sufficient funds, Daddy is not recommended to buy it, and millions of medical insurance and critical illness insurance can already provide good protection.

At present, high-end medical insurance is mainly based on overseas medical insurance, which generally provides overseas medical treatment coverage for specific critical illnesses, and after the diagnosis of a specific critical illness, the insurance company's cooperative service provider arranges the entire overseas medical treatment process and provides direct payment services.

1. Overseas medical treatment arrangement

Overseas medical insurance for critical illnesses generally provides overseas medical treatment arrangements: contact with the hospital, secondary referral arrangement, special escort, etc.

2. Common specific critical illnesses

The most common specific critical illnesses include: cancer, coronary artery bypass surgery, heart valve replacement or repair, neurosurgery, living-donor organ transplant, bone marrow transplant.

3. Direct payment service

General medical insurance generally needs to be reimbursed after the fact, and sorting out the reimbursement documents is very time-consuming and labor-intensive. High-end medical insurance, on the other hand, generally provides direct billing services, that is, the insurance company pays directly to hospitals, hotels and airlines.

If you pursue cost-effectiveness: Lejian lifelong mid-range medical care

Its rate is relatively low among high-end medical insurance, with a wide range of reimbursement, sufficient protection, and high cost performance.

And it also has 8 kinds of ** to choose from, different ** rates and services have certain differences, the protection is very flexible, and the degree of freedom for the policyholder is great.

If you pay more attention to medical services: Wanxin and enjoy life

It has a direct payment service, no need to pay for medical treatment, and the medical service system is very mature, and the reimbursable hospitals have covered more than 80 cities and thousands of hospitals.

If there is a demand for outpatient reimbursement: you can consider Wanxin and Xinxiang Life and Ping An Ankang Special Edition

Both are fully covered, and the outpatient protection is also very good, and the outpatient and emergency services for 30 days before and after hospitalization are covered by the reimbursement, and the annual rate will not be too high.

If the economic strength allows, high-end medical insurance can be said to be beneficial and harmless. Dad's suggestion is that it is best to consider high-end medical insurance when critical illness insurance, million medical insurance, and accident insurance are all completeIn-depth evaluation of medical insurance for millions: how to choose medical insurance with high sum insured?

Be sure to buy insurance according to your needs!

Buy insurance Buy critical illness and accident first, and then buy other types of insurance.

This graph is not infallible, but it can be used as a reference.

Hello! High-end medical insurance was once considered an unattainable product because of its high cost. However, high-end medical insurance is favored because of its high sum insured, wide coverage, cashless payment, and good medical environment.

Recently, Da Special Insurance, together with Yongan Insurance, a subsidiary of Fosun Group, has released the "Special Needs Medical Insurance" based on the Special Needs Medical Care Center of Ruijin Hospital (hereinafter referred to as "Ruijin Special Needs"), which adds expert-level diagnosis and treatment services customized by Ruijin Special Needs on the basis of the common high-end medical insurance products on the market, and transforms from simple protection to early prevention and risk control by adding a number of special items and innovative technical means. Through the system-level connection inside and outside the hospital, the operation efficiency and cost control of the hospital are continuously improved.

This product only needs less than 5,000 yuan at a minimum, compared with other similar high-end insurance products on the market, this ** can be called "historically low". The limitations of traditional high-end insurance are likely to be broken by this product, and the livelihood problems that plague the people, such as difficult, expensive, and tired medical treatment, may also be solved by this product.