By docking medical and nursing entities, relying on professional investment, we will give full play to the insurance function, provide customers with all-round financial and insurance services from cradle to paradise, and strive to make insurance more secure, convenient and affordable, so as to make people healthier, live longer and richer.
Characteristics of high-end medical insurance:
1. Not limited to hospitals: high-end people can freely choose their own public, private or foreign-funded hospitals, including foreign guests or special needs in major domestic hospitals, and are also allowed to choose foreign medical institutions for treatment.
2. Unlimited medical services: Not only the contents not covered by general medical insurance such as traditional Chinese medicine and physiotherapy can be covered by high-end medical insurance, but also the hospitalization can be allowed to live in a single ward with a separate bathroom, and the expenses of major diseases such as organ transplantation and cancer treatment can also be reimbursed, so that the insured can enjoy the best medical services.
3. Free from social security drug use restrictions: completely break through social security restrictions, so that insured people do not have to consider social security constraints when seeking medical treatment, and concentrate on treatment. High-end medical and health insurance only distinguishes outpatient and hospitalization expenses, and reasonable and necessary non-social security drugs, imported drugs and imported medical equipment prescribed by doctors can be reimbursed. (I have also introduced high-end medical insurance before. Look at my official WeChat account: Do I need to buy commercial insurance if I have social security? )
4. Direct compensation: Direct compensation is different from advance payment (the traditional reimbursement form of paying after seeing a doctor is called "advance payment"), which is one of the main signs of high-end medical and health insurance. The insured sees a doctor in the insurance direct payment network hospital without paying cash, and the insurance company and the hospital directly settle accounts. This method not only greatly facilitates customers' medical treatment, saves time and improves the efficiency and experience of medical treatment, but also is an important means for insurance companies to put claims in the first place.
5. High amount: High-end medical insurance generally pays millions, and some companies can even reach more than 20 million or have no limit, which can meet the treatment costs of almost all diseases at home and abroad.
6. More humanized services: dentistry, ophthalmology, physical examination, helicopter emergency transport, childbirth and other projects.
High-end medical insurance can cover all kinds of health risks in life and provide comprehensive insurance protection for patients.