What does Million Medical mean and what is Million Medical Insurance

Million Medicare.

It is a kind of medical insurance, because the upper limit of the reimbursement amount can reach more than one million, it is called "million medical" by the industry, and the million medical insurance is very cost-effective, and the content of different insurance products is not the same, basically covering outpatient, hospitalization, surgery and other medical expenses, which is very cost-effective. Million Medical Care has been accepted by people in recent years with its low cost and high protection.

1. What is the management of million medical insurance?

At present, all million medical insurance companies on the market basically have a deductible of 10,000 yuan.

In other words, only the part of the medical treatment that exceeds 10,000 yuan will be reimbursed! Of course, some people may question that the average hospitalization cost in many cities is less than 10,000 yuan.

Taking a 30-year-old man as an example, if he buys a million medical insurance, the premium is less than 400 yuan if he has social security, and the premium is less than 900 yuan if he has no social security, he can insure at least 1 million hospitalization for common cancer and cerebrovascular diseases.

The cost can be of great help, so from the perspective of input and output, it is still necessary to have a million medical care!

Of course, families with a sufficient budget can also choose millions of medical care with 0 deductible, or mid-range medical insurance to increase the proportion and amount of reimbursement.

2. Do I need to buy millions of medical insurance if I have social security?

As a kind of national inclusive and mutual assistance, social security medical care solves basic medical problems. Once you encounter a real serious illness or major illness.

For example, for cancer, social security medical reimbursement must be limited. The Million Medical Insurance provides a great complement to the coverage of self-financed imported drugs. Therefore, if you only consider solving the risk of hospitalization for serious illnesses, the above-mentioned million medical insurance is okay.

However, even if Million Medical Care is good, it is not a substitute for critical illness insurance.

Because these are two different types of insurance, they have their own different functions and functions, and they can be matched with each other to produce a more comprehensive protection effect.

Million Medical Insurance is Million Medical Insurance, hence the name because the sum insured is usually in the millions. I have sorted out the millions of medical insurance that are worth buying on the market in this article, and I am interested in poking: Which one is worth buying? The latest list is here!

Million medical insurance only needs a few hundred yuan a year, and you can easily have millions of insurance amounts, but this kind of product often has a deductible of 10,000 yuan, and it is difficult for us to use ordinary minor illnesses and pains.

However, when we need to face hundreds of thousands or even more medical expenses, the million medical insurance is a lifesaver. Therefore, it is very important to think about the million medical insurance in this way.

Of course, you have to keep your eyes open when choosing a million medical insurance, and it is not reliable to buy a bad million medical insurance.

When choosing a million medical insurance, you should pay attention to the following points:

1. Core guarantee.

It includes four basic responsibilities: inpatient medical care, special outpatient treatment, outpatient surgery, outpatient and emergency before and after hospitalization, renewal conditions, cancer special drugs and purchased drugs, deductibles and deductible policies.

2. Bonus points.

Million medical insurance has many value-added services and continuation services, some of which are practical, adding a lot of convenience to consumers in the process of seeing a doctor, which is a real plus.

Million medical insurance: refers to a one-year short-term health insurance, as long as you pay a few hundred yuan of premiums a year, you can be reimbursed for medical expenses if you are sick, and you can be reimbursed up to several million. It has several major characteristics, not only "low premium", "high insurance amount", but also "unlimited social security drugs", "unlimited diseases", the core of which is to solve the large amount of medical expenses.

Million medical insurance refers to medical insurance with an insurance amount of up to one million.

Million Medical Insurance Coverage:

1. Inpatient medical treatment: First of all, the cost of inpatient medical care, including bed fees, drug fees, meal fees, examination fees, examination fees, surgery fees, extra bed fees, diagnosis and treatment fees, ambulance use fees, nursing fees, etc., which are all within the scope of millions of medical insurance;

2. Special outpatient services: the expenses of special outpatient clinics, which generally include outpatient renal dialysis**, outpatient malignant tumors** (chemotherapy, radiotherapy, tumor immunity**, tumor targeting**), anti-rejection** after organ transplantation**, etc., which are covered by millions of medical insurance;

3. Outpatient and emergency before and after hospitalization: This includes the medical expenses incurred for outpatient and emergency services received for the same reason as hospitalization, including outpatient examination, diagnosis, and outpatient expenses, generally 7 days before and 30 days after hospitalization;

4. Outpatient surgery: Finally, outpatient surgery, including outpatient surgery, such as breast fibroma resection, cataract surgery, abscess incision and drainage, etc.

Legal basisArticle 2 of the Social Insurance Law of the People's Republic of China.

The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, to ensure citizens' right to receive material assistance from the State and society in accordance with the law in the event of old age, illness, work-related injury, unemployment, childbirth, and so forth.

The general medical care in million medical care generally refers to:

1. Medical expenses for hospitalization:

It mainly includes bed fees, extra bed fees, and intensive care units.

Bed fee, nursing fee.

Meals, inspection fees, ** fees, drug fees, medical equipment usage fees, medical hall model fees, surgery fees, ambulance usage fees, etc.

2. Designated outpatient and emergency medical expenses:

Outpatient renal dialysis.

fees, outpatient malignancies.

**Fee, outpatient anti-rejection** fee after organ transplantation, outpatient surgery fee.

3. Outpatient emergency expenses before and after hospitalization: reasonable and necessary outpatient emergency travel expenses incurred by the insured in the first n days of hospitalization or within n days after discharge from the hospital for the same reasons as the hospitalization**. (The number of days of n is not necessarily, there are 7 days, 15 days or 30 days, mainly subject to the terms of each insurance company).

It mainly includes: doctor's diagnosis and treatment fee, ** fee, examination fee, drug fee, ambulance use fee.

Million Medical Insurance mainly reimburses the medical expenses (reasonable and necessary part) caused by the insured** illness, which can directly compensate for the economic losses caused by the insured's illness.

However, the most comprehensive medical insurance configuration plan has been sorted out for everyone, please checkThe correct way to configure medical insurance should be like this! 》

1. The benefits of medical insurance

The most direct effect of the emergence of high-end medical care is to solve medical expenses and make an important supplement to social security.

The advent of medical insurance can solve the panic caused by illness, so that you don't have to worry about seeing a doctor and don't have to worry about the decline in quality of life.

1.Good value for money

Medical insurance is a short-term product, so in the choice, we have to choose a high insurance amount, and the insurance amount can only resist a high enough risk.

A 30-year-old adult male in good health only needs more than 300 a year to buy a million medical insurance.

2.Value-added services

Million Medical Insurance products will also add some value-added services, such as hospitalization advance payment services, specific drug services, critical illness green services, post-operative home care services, etc.

These services are not essential, but having them after you get sick can make it easier for you to see a doctor with less hassle.

3.Comprehensive coverage

As the name suggests, million medical insurance provides medical protection for people's physical conditions, which can directly subsidize our medical expenses and reduce the burden on families.

Secondly, its insurance amount is high enough, and the maximum reimbursement ratio reaches 100%, which protects our ** expenses to the greatest extent and allows us to have no worries.

Million medical insurance, as long as you are hospitalized, the part of your out-of-pocket expenses of more than 10,000 can be reimbursed. Million Medical Line can be purchased separately, but there is no guarantee of renewal, so Million Medical Insurance can only be used as a short-term protection, there is uncertainty, it can be used as a short-term transition, but long-term protection must be planned in advance.

Introducing the Million Dollar Medical Insurance and its coverage.

Million Medical Insurance is a type of medical insurance because it covers up to one million, so it is collectively referred to as "Million Medical Insurance". Million medical insurance is an important supplement to medical insurance.

Million Medical Insurance is a reimbursement product with a wide range of reimbursements.

Regardless of hospitalization due to accident or illness, medical expenses can be reimbursed, which is a practical and cost-effective type of insurance.

Moreover, the leverage ratio is high, and you can enjoy millions of insurance dollars by spending a few hundred yuan a year.

2. Is Million Medical Insurance useful?

Since 2016, million medical insurance has become popular in the insurance market, attracting the attention and favor of many consumers, and has developed into an insurance category with relatively high demand.

Judging from the intuitive data of the market, the million medical insurance is useful.

From another point of view, the Million Medical Insurance is a supplement to medical insurance.

So what is the specific usefulness of million medical insurance?

Spend a small amount of money and enjoy high protection.

Most million medical insurance can enjoy more than one million medical protection for a few hundred yuan, and the leverage ratio is extremely high.

Generally speaking, when applying for insurance at the age of 20-30, the premium is about 300 yuan; The insurance before the age of 50 does not exceed 1,000 yuan.

Taking Ping An e-Life Insurance Guaranteed Renewal Edition as an example, a 30-year-old man, who is insured with social security, only needs to spend 364 yuan a year to enjoy the protection of 2 million insurance amounts.

There is a comprehensive basic guarantee.

In addition to general inpatient medical care and critical illness protection, an excellent million medical insurance will also have special outpatient and outpatient surgery protection.

Most of them will also include value-added services such as green access for medical treatment and advance payment of medical expenses.

In addition, different Million Medical Insurance plans come with specific benefits attached.

Such as specific overseas medical treatment, special needs**, tumor special drug services, etc.

Increase reimbursement rates.

Medical insurance can only cover basic medical care, and limit the proportion of drug reimbursement, while many millions of medical insurance on the market can make up for these gaps in social security, the scope of reimbursement is not limited to social security, and there are many types of drugs reimbursed.

After being reimbursed by social security and deducting deductibles, outpatient and emergency, hospitalization and surgery expenses before and after hospitalization can be reimbursed.

Million dollar medical insurance usually refers to the sum insured.

More than one million dollars of inpatient medical expenses reimbursement insurance.

In the case of the insured due to general illness or critical illness.

When the disease is hospitalized in the hospital agreed in the contract, the reasonable expenses will be reimbursed with the medical invoice, and the deductible of 5,000 yuan or 10,000 yuan is usually set.

The maximum reimbursement amount is more than $1 million, and the premium is relatively cheap, so you can get a higher sum insured with less premium.

Different million medical insurance products have different protection contents, which can basically cover specific outpatient, pre- and post-hospitalization, outpatient and emergency treatment, hospitalization and other medical expenses, which can be extended to reimbursement of expenses outside the social insurance, and can be reimbursed for reasonable imported drugs and self-financed drugs. Some insurance companies will also add special services and value-added services as needed, such as proton and heavy ion medical treatment, medical green pass, overseas medical treatment services, etc.

Generally, the medical insurance for millions of medical insurance requires the inpatient hospital to be a public hospital.

For ordinary wards, different reimbursement ratios will be given to whether the insured has social medical insurance, that is, whether there is social medical insurance reimbursement when applying for a million medical insurance claim.

Million Medical Insurance is a reimbursement type of insurance, which generally starts at 2 million.

Whether it is a major illness, a minor illness or an accidental hospitalization, as long as the medical expenses reach the deductible of Lianhui, the expenses within the scope of the contract can be reimbursed, and 100% reimbursement can be made with social security.

The advantage of Million Medical Insurance is that it has a wide range of coverage:

It can reimburse drugs that cannot be reimbursed by social security, such as self-financed drugs, imported drugs, and targeted drugs.

The million-dollar medical insurance with good protection liability can be said to be a serious illness fan, such as radiation**, immunity**, proton heavy ion**, etc., as long as it is written in the contract, it can be reimbursed.

When we choose Million Medical Insurance, we recommend focusing on the [Renewal Ability] and [Underwriting Conditions] of Million Medical Insurance.

Priority should be given to renewing products with "good insurance ability", and then look at the coverage and additional services of medical insurance.

The premium of the million medical insurance is very cheap, and you can reimburse millions of medical expenses for a few hundred yuan a year, which is a very cost-effective insurance. If everyone is in good health, it is recommended that everyone should have it.

Million medical insurance is actually commercial medical insurance, which can mainly reimburse the reasonable and necessary medical expenses incurred by the insured due to illness or accident, including inpatient medical expenses, outpatient and emergency medical expenses before and after hospitalization, outpatient surgery medical expenses, special outpatient medical expenses, etc. Its biggest feature is that the premium is cheap and the sum insured is high, so even families with average economic conditions can afford it, so as to obtain a large amount of medical protection.

However, the deductible of million medical insurance is also relatively high, most of them have 5,000 or 10,000 yuan, so if it is used to deal with minor diseases, it may still not be suitable, because its medical expenses may not exceed the deductible, so it is still more suitable to deal with the risk of serious illness.