But in fact, the premium of high-end medical insurance is not as expensive as expected, and the better medical resources and services it brings can be said to be worth it!
Want to go to special needs department, VIP department, international department, private hospital, expensive hospital, overseas medical treatment ... problems that ordinary medical insurance can't solve can be realized by high-end medical insurance!
With the continuous improvement of living standards, the shortage of medical resources in China and the harsh medical environment, more and more people choose to go abroad for medical treatment.
For the treatment of some special diseases, such as malignant tumors, overseas medical treatment can unexpectedly accept advanced medical technology, reasonable treatment methods, the use of newly developed drugs and so on.
Today, I will introduce a high-end medical insurance that is easy to use and inexpensive-MSH Select Personal Medical Insurance Plan 2022.
Part number 1
Many people may not be familiar with MSH. In China, MSH's full name is MSH China, also known as Wan Xin and.
Wan Xinhe is the China branch of MSH International, an international health insurance service center. Founded in 200 1, it has been providing high-end health services in China for 20 years. It is the first international health insurance service center in China.
MSH International, founded in 1974, provides services to customers in more than 200 countries around the world, cooperates with special needs clinics, special needs departments, VIP departments, international departments and private hospitals at home and abroad, and has a very perfect medical network.
Many well-known insurance companies also use MSH medical network for high-end medical services.
the second part
MSH choose protection plan is divided into:
Greater China enhanced safeguard, international enhanced safeguard and global safeguard.
Compared with general medical insurance, high-end medical care has the following characteristics:
1. Break geographical restrictions
The geographical scope of protection is not limited to Chinese mainland, but also can cover Hong Kong, Macao and Taiwan, and even the whole world, which means that the global freedom of medical treatment can be realized.
2. Break the restrictions on hospital visits.
It is not limited to the general departments of public hospitals, but also covers private medical institutions and can even be extended to expensive hospitals.
The Greater China Plan and the International Plan can choose whether to cover your college or not, and the Global Plan covers your college by default.
(The list of your hospitals can be queried immediately and may be adjusted)
3. Wider cost coverage
High-end medical insurance covers more comprehensive expenses, and can reimburse some expenses that ordinary medical insurance cannot cover, such as mental illness and hospice care expenses.
After the product upgrade, these guarantees have been improved:
Pre-and post-operative prescription drugs and outpatient expenses also cover the newly added anti-rejection treatment expenses covering organ transplantation, including tumor immunotherapy, endocrine therapy and proton heavy ion therapy. The amount of transportation subsidies for medical treatment in different places has increased, and the global security plan has been raised to a maximum of 60,000. Emergency dental treatment can be paid in full.
4. Optional duties such as outpatient service.
Optional duties are more abundant, which can meet the needs of outpatient service, dentistry and physical examination. And the expenses involved are also very comprehensive, such as Chinese medicine treatment and physical therapy in outpatient treatment.
(screening benefits increase human papillomavirus test and helicobacter pylori test, early screening selection for colorectal cancer 1)
5. Access to health care
MSH has its own medical network. In the direct payment medical network, the hospital can use the direct payment function, without paying reinsurance in advance, and it is directly settled by the insurance company and the hospital.
In some direct payment hospitals in the network, MSH has permanent representatives who can assist in providing medical services.
In addition, it can also provide secondary diagnosis and treatment services, hospital network doctor appointment service direct payment and so on. Make medical care efficient and safe.
6. New services
Added: Early hospitalization service in non-MSH hospitals.
For hospitalization beyond the direct payment network, you can apply to MSH for hospitalization first service to solve the problem of hospitalization funds and make hospitalization more worry-free.
Additional: 7x24 hours online health consultation service.
MSH provides customers with 7*24 hours of uninterrupted online health consultation throughout the year.
The consultation fee, OTC drug fee and drug delivery fee used within 3 days shall be borne by MSH, 5 times per year for a single inpatient and 0 times per year for inpatient+outpatient clients.
Added: consulting service of public directly affiliated Internet hospitals.
It belongs to outpatient welfare, covering related doctor's expenses and drug expenses, and only for follow-up visits (excluding drug delivery expenses).
Supplement: Good "Happy" Emotional-Psychological Assistance Service
MSH provides systematic psychological assistance arrangement services for clients, such as emotional distress, work-family balance, family relations, love and marriage, children's education, etc.
the third part
The standard premium is the cheapest 4000+, but you can enjoy the discount if you set the deductible and multi-family insurance, and the maximum discount for a single hospitalization plan is -55%!
Super cost-effective scheme recommendation 1: single hospitalization scheme.
26-year-old, international enhanced program, single hospitalization, zero deductible premium 6 152 yuan.
If the deductible is 30 thousand, the premium can be reduced by 40% As long as RMB 36,965,438+0.20, we can solve the global hospitalization expenses problem except the United States and Canada.
Applicable people: people who need to increase their insurance coverage, have better medical resources, study abroad and have high cost performance!
(Note: Although the deductible is set, the expenses borne by social security and commercial insurance can also be deducted from the deductible, so even if the deductible is set, the probability of use is much greater than that of ordinary medical insurance. )
Recommendation 2: Adults+Children
This product supports adults and children with different settings. However, geographical coverage and hospital coverage need to be consistent.
Younger children are more likely to see a doctor in the outpatient clinic, so the scheme that the outpatient clinic is responsible for is a collocation method chosen by many parents.
part four
Matters needing attention
1. Pre-authorization
Some treatments require prior authorization. Before getting treatment, confirm whether the treatment fee can be settled and what is the settlement standard.
If you don't get a written reply, you won't get a claim. In case of emergency, the secretary must be notified within 48 hours after the emergency occurs.
2. Exemption clause