So, what are the characteristics of high-end medical insurance?
1. Not subject to social security coverage.
High-end medical insurance has further relaxed the restrictions on special medical care, free choice of hospitals and self-funded drug reimbursement, making the insured more humanized and able to obtain more adequate protection.
Can guarantee or pay medical expenses.
Generally, medical insurance with the nature of reimbursement allows consumers to pay medical expenses first and then reimburse medical expenses with medical bills.
Although this way of paying in advance and then reimbursing can reduce the economic burden, it is difficult to solve the urgent need, and it is not very friendly to families who can't afford so much money for medical treatment at the moment.
High-end medical insurance generally has the function of directly paying medical expenses, which can avoid the situation that the above medical expenses cannot be paid in time. The insurance company directly pays medical expenses first, and it is no longer necessary for the patient's family members to pay medical expenses first.
3. Wide coverage
High-end medical insurance covers a wide range, covering not only the contents not covered by general medical insurance such as traditional Chinese medicine and physiotherapy, but also the expenses of major diseases such as organ transplantation and cancer treatment.
At the same time, it can also provide high-quality services such as living in high-end wards and special care.
Dad concluded:
Generally speaking, high-end medical care can provide consumers with services that ordinary medical insurance cannot provide, and it is rarely restricted by social security, which can bring consumers more comprehensive protection.