High-end medical care is a commercial insurance that breaks the national medical insurance restrictions. Mainly for artists, elites and other high-income groups to provide quality medical security and services. What are the specific advantages of high-end medical care? The following is a general explanation. For details of high-end medical insurance, please see: "High-end medical insurance, the terminator of difficult medical treatment!" 》
1, with high coverage.
High-end medical care is a consumer insurance product with one-year insurance coverage. The annual premium ranges from several thousand to several hundred thousand, and the insured amount is usually several million, and there are also tens of millions.
2. Hospitals are free to choose.
Ordinary medical insurance can basically be reimbursed in designated hospitals, but high-end medical care can not only choose public, private or foreign-funded hospitals independently, but also freely choose domestic foreign guest hospitals, specialist hospitals and foreign medical institutions.
3. Have rich medical services.
The contents of high-end medical care include those not covered by general medical insurance such as traditional Chinese medicine and physiotherapy, such as high-cost comprehensive medical expenses such as overseas medical treatment, hospitalization, outpatient service, organ transplantation and physical examination, as well as personalized medical items such as dentistry, ophthalmology and childbirth.
If the hospital where the insured sees a doctor is a cooperative hospital of the insurance company, he can also enjoy the direct payment service, and the expenses of the hospital are directly settled by the insurance company by signing the card.
4. Break through the limitation of social security reimbursement.
When seeking medical treatment, the insured does not have to consider the reimbursement restrictions of social security, such as the expenses of non-social security drugs, imported drugs and imported medical equipment, and high-end medical treatment can also be reimbursed.
What high-end medical insurance is worth buying? Please read this article: "202 1 high-end medical insurance worth buying!" 》
Summary:
Although high-end medical care has better medical services and guarantees, the high annual premium is not affordable for ordinary people. In fact, hundreds of millions of medical insurance can meet the medical security needs of ordinary people every year. If you want to know the cost-effective millions of medical insurance, you may wish to compare yourself: "Super full! Domestic popular millions of medical insurance comparison table "
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