When many client consulted me about high-end medical , they hoped that the products they invested could cover past symptoms (i.e., physical abnormalities that were already present before taking out insurance). Most medical insurance will exclude previous symptoms and its related complications, and only a few products can cover it.
The middle we are going to talk about today is a product that has "Zhengrong 2022" that can protect the previous symptoms (limited and the previous symptoms need to be underwritten), and also has extremely flexible product.
Parents and children can match different plans as they like on a insurance policy . For a single insured person, N types of insurance plans can also be combined, which I call "Lego of Change".
Directory
01 Xiaojie comments
02 How about the company in the middle? What guarantees is
03 "Zheng Honor 2022"?
04 What medical networks are covered?
05 Premium
01
Xiaojie comments
13Product highlights
htt ml31. Ensure that comprehensive does not cover any individual projects 2. Various plans guarantee plans, regions, and hospitals can flexibly combine them with 3. Flexible family insurance Under a family insurance policy, different insured persons can choose different plans 4. Ensure that the past symptoms guarantees the past symptoms that are subject to underwriting. According to different plans, the limit is 2,000-4,000 yuan. Most medical insurances will exclude previous symptoms and related complications. 5. Emergency treatment outside the area 2 Products are insufficient
. Emergency treatment outside the area is guaranteed, with an insured amount of 500,000. For example, the insurance is a global ex-US program. The insured person has a life-threatening emergency medical need in the United States and can pay compensation in accordance with the terms. 6. Targeted therapy drugs gene detection guarantees the genetic testing fee for targeted therapy drugs for malignant tumors, with a limit of 30,000 yuan. Most high-end medical care does not cover this responsibility. 7. Relative deductible deductible is relatively deductible, that is, the expenses reimbursed through social security can be deducted from the deductible of this product.
1, the maximum renewal age is low renewal is up to 75 years old. It is impossible to renew insurance after the age of 75, and it is difficult to insure other products at this age. There are many high-end medical insurances on the market that have the maximum renewal age of 99 years old.
2. The outpatient insurance amount is relatively insufficient.
outpatient insurance amount is 00,000-60,000 yuan. The highest Xingyao plan, the outpatient insurance amount is only 60,000 yuan, which is not an advantage in the market.
3. Individual plans have a limit on outpatient doctor fees for Diamond plan and platinum plan have separate limits on outpatient doctor fees, which are 1,500 yuan and 1,000 yuan respectively. Other high-end medical care generally has no single restrictions.
4, rehabilitation treatment limit is 30 days . This is a bit harsh because high-end medical insurance has a limit on rehabilitation treatment, but 30 days is not an advantage. Some products on the market are limited to 90 days.
5. No vaccine protection is available.
3suitable for people
1. There are other medical insurance families after the age of 75
2. Different family members have different
3, households with medical needs, households with claims for previous diseases, households with deductibles, households with deductibles, households with no need for vaccines,
02
02
33?
Zhenrong is provided by MediLink-Global, which is a professional independent service company specializing in the third-party management of high-end health insurance .
was founded in 2005 and focuses on high-end health insurance services for 17 years. In November 2019, it joined Nanyan Insurance Technology Group and became its member company.
Company cooperates with more than 43,000 well-known Grade A hospitals, international departments, special needs departments, VIP departments, and high-end private hospitals in China and foreign capital, covering 1.4 million medical network resources in 226 countries and regions around the world, and more than 40 cooperative insurance companies.
03
"Zheng Honor 2022" guarantees?
1 Insurance rules
"Zheng Honor 2022" supports 15 days to 64 years old, and can be renewed until 75 years old. has a lower maximum renewal age , which is not competitive in the market.
supports multiple forms of joint insurance for single person/parent-child/couple/family, and can carry a family with one insurance policy. Minors need to take out insurance with their families as affiliated insured persons. Under the same insurance policy of , parents and children can each configure different plans . For example, children enroll in plans to take outpatient clinics, and parents do not bring outpatient clinics, which are practical and considerate.
"Zheng Honor 2022" has 4 guarantee plans, namely the Star Glory Plan, Diamond Plan, Platinum Plan, and Gold Plan. The four optional plans have different differences in annual insurance amount and protection responsibilities, including:
★ annual insurance , Starry Glory Plan 16 million insurance, Diamond, Platinum, and Gold Plans are all under coverage 8 million insurance;
★ guarantee responsibility , Starry Glory, Diamond, Platinum three plans to guarantee outpatient + hospitalization, and the Gold Plan is a pure hospitalization guarantee plan. "Zheng Honor 2022" 4 plans, you can flexibly choose the area, cover hospitals, deductibles, etc., you can choose: guaranteed region : Mainland China/Greater China/Global ex-US/Canada/Global cover hospital : Public hospitals/public, private hospitals/ Public, private, expensive hospital hospitalization deductible : 0 yuan/10,000 yuan/20,000 yuan additional protection : physical examination and dental deductible is relatively deductible . The fees reimbursed through social security can deduct the deductible of this product. At the same time, the deductible is only applicable to hospitalization, and the outpatient clinic is not subject to deductible limit. "Zheng Honor 2022" each plan clinic has no waiting period, and there is a 30-day waiting period for hospitalization . 2 Hospital protection |Full claim
"Zhengrong 2022" four plans include hospitalization guarantees: hospitalization bed fee, dietary fee, bed accompanying fee, nursing fee, doctor fee, treatment fee, intensive care unit fee, hospitalization surgery fee, prescription drug fee, examination and testing fee, durable equipment fee, outpatient surgery fee, special disease treatment fee, outpatient emergency medical fee 30 days before and after hospitalization, etc., is fully compensated.
3 Inspection and Inspection Fee , including X-ray fee, electrocardiogram fee, B-ultrasound fee, molecular biochemical test fee, blood, urine, stool routine test fee, and other large-scale test fee. large-scale examination and testing items include:
1) computed tomography , positron emission computed tomography, computer-assisted tomography;
2) NMR examination fee, magnetic resonance angiogenesis, magnetic resonance cholangiopancreatic imaging;
3) endoscopy fee, digital subtraction angiography, digestive tract imaging;
4) puncture biopsy, hip B-ultrasound;
5) electroencephalogram , cardiac color ultrasound, lung function examination test, etc.
Durable Equipment Fee refers to the cost of durable medical equipment that must be purchased or rented by medically necessary during hospitalization, including external insulin pumps, foot support, arm support, neck support or belt, wheelchair (not electric wheelchair ), breast enhancement (insured persons who are limited to breast cancer and have undergone mastectomy within the scope of insurance), hearing aids, external pacemakers, and portable nebulizers.
Inpatient surgery fee , including surgical operation fee, anesthesia fee, operating room fee, recovery room fee, surgical monitoring fee, surgical auxiliary fee and surgical equipment fee and other surgical related expenses. Materials implanted during surgery ( artificial heart , cochlear , pacemaker, etc.) and donation of organ transplants or the cost of purchasing organs are exempted.
treatment for specific diseases, includes renal dialysis fees, outpatient malignant tumor treatment fees, proton heavy ion treatment fees, and anti-rejection treatment fees after organ transplantation. The treatment costs for outpatient malignant tumors include tumor immunotherapy, endocrine therapy, radiation therapy (photon radiation therapy only), chemotherapy, and tumor-targeted therapy. |Limited claims "Zhengrong 2022" four plans for hospitalization protection, the compensation limit for the entire policy year is: rehabilitation treatment, professional nursing, and hospice costs. These individual items and other high-end medical insurances are generally limited to the number of days.
hospital bed fee, the compensation standard is domestic standard single room, foreign double ward, three plans, Star Glory, Diamond, and Gold, are fully compensated, among which the daily ward fee for the Platinum plan shall not exceed 2,500 yuan.
"Zhenrong Glory 2022" compensates for the genetic testing fee for targeted treatment of malignant tumors, with a limit of 30,000 . Most high-end medical care does not cover this responsibility.
3 outpatient guarantee
"Zhengrong 2022" three plans for outpatient treatment, prescription drug fees, examination and testing fees, treatment fees, emergency dental fees, etc. are all fully compensated.
outpatient doctor fee , including general outpatient and emergency medical treatment fees, expert medical treatment fees, registration fees, etc. The compensation for Starry Glory Plan is unlimited, the compensation for diamond plan is limited to 1,500 yuan, and the compensation for platinum plan is limited to 1,000 yuan.
Durable equipment fee, if used during hospitalization, there is no separate limit; if used in outpatient clinics (except for special outpatient clinics, such as outpatient surgery), it is limited by the total outpatient limit and durable equipment fee limit. Star Glory, Diamond and Gold three plans for outpatient durable equipment are subject to an average limit of 20,000 yuan.
If Mr. Zhang buys the diamond plan, the outpatient limit is 40,000 yuan. After half a year, the amount of outpatient quota that can be used is 19,000 yuan left, and the amount of durable medical equipment under Mr. Zhang's outpatient responsibilities is 19,000 yuan.
4 Restricted disease treatment
Previous symptoms refers to a disease or physical abnormality that the insured has diagnosed before taking out insurance. Most medical insurances will exclude previous symptoms and related complications.
can contain past symptoms, in addition to the well-known BUPA series products, MSH classics, GBG, AXA Shangyue, "Zhengrong 2022" For past symptoms that are truthfully informed and passed underwriting review, you can also protect . Friends who have needs to cover past symptoms can consider this product. The compensation for the previous symptoms of
is limited to 4,000 yuan for the Star Yao plan, the compensation for the diamond plan is limited to 3,000 yuan, and the compensation for the platinum and gold plan is limited to 2,000 yuan. The compensation for the previous symptoms that have not been informed truthfully will not be paid.
outpatient physical therapy fee and traditional Chinese medicine treatment fee , Star Yao plan compensation is limited to 10,000 yuan, Diamond plan compensation is limited to 5,000 yuan, Platinum plan compensation is limited to 2,000 yuan, and hospitalized physical therapy and traditional Chinese medicine treatment for a single reason will not be compensated.Outpatient physical therapy includes physical therapy, American chiropractic, occupational therapy, homeopathy, and voice therapy fees; traditional Chinese medicine treatment fees include prescription Chinese herbal medicine fees, acupuncture treatment fees, registration fees, diagnosis fees, etc.
Psychological and mental treatment fees, including Bulis nervosa , anorexia nervosa, sad counseling and sad treatment, attention deficit disease, Attention deficit hyperactivity disorder, etc. Excluding alcohol and substance abuse withdrawal treatment, smart testing, educational testing, marriage and family psychological counseling. During each policy year, the three plans of Star Glory, Diamond and Platinum, and the psychological and mental treatment expenses are limited to 5 times. The limit for each plan is different, that is:
Star Glory Plan: 2,500 yuan/time
Diamond Plan: 1,000 yuan/time
Platinum Plan: 800 yuan/time
Golden Plan does not cover this responsibility for outpatient physical therapy, traditional Chinese medicine treatment, and psychological and selected disease treatment.
5emergency medical transportation
"Zhengrong 2022" guarantee area, medical essential medical aid expenses for emergencies, and in China, soft sleepers of cars, trains, high-speed rail, aircraft economy class, etc. that need to go to another place for treatment due to illness. In each policy year, the compensation limit for 4 plans is different. The Star Glory plan is limited to 20,000 yuan, and the three plans for diamond, platinum, and gold are all limited to 10,000 yuan.
4 plans all guarantee emergency medical generated outside the area. The cumulative compensation limit of in each guarantee year is 500,000 yuan.
6 Optional - Dental, physical examination security
"Zhenrong Glory 2022" There are 2 optional insurance amounts for dental protection: 3,000 yuan or 5,000 yuan. Dental prevention treatment is fully compensated, basic treatment is 80%, major treatment is 50%, among which the scope of prevention, routine and major treatment is different:
preventive treatment, including routine examination, tooth cleaning, 1 fluoride application, 1 trough sealing, oral panoramic film, preventive polishing, etc.;
basic treatment, including amalgam or Compound resin filling, simple tooth extraction, periodontal scraping, tooth filling and filling, root canal treatment, etc.;
major treatments, including bridge dentures, wisdom tooth removal, children's orthodontics, muscle function correction, and related oral X-rays, etc.
full physical examination covers the full physical examination fee and related examination and laboratory fees, and routine examination and laboratory fees. optional insurance amount: 1000 yuan or 2000 yuan .
If adults have dentistry insurance coverage of 5000, an additional premium of 2916 yuan is required. The additional coverage of 1000 yuan is required for physical examinations, and the premium of 800 yuan is required. The dentistry and physical examination responsibilities are similar to a discount card. If customers who have urgent needs can choose.
7 value-added service
"Zhengrong 2022" guarantee also provides: hospitalization green tunnel, domestic second-diagnosis and treatment opinions, hospitalization advance payment, and home delivery of medicine.
Domestic Second Diagnosis and Treatment Opinions . If you have any doubts about disease diagnosis, experts need to confirm such as cancer, cardiovascular disease, different diagnosis of the disease in different hospitals, and want to understand the best treatment plan. The middle belt brings together multi-channel medical expert resources to provide second diagnosis opinions on 2-5 working days.
Overseas Service , which guarantees that medical information can be generated during overseas business trips or traveling during the period, and can provide recommendations from medical institutions, advance payment of medical fees, translation and interpretation of medical information, treatment accompanying and translation arrangements, and special delivery of emergency drugs and medical devices. What medical networks are covered by
04
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Middle belt has 1.4 million medical and health service networks covering the world, and cooperates with more than 3,000 well-known Grade A hospitals in 298 core cities in China.
"Zhengrong Glory 2022" enjoys direct payment service within the direct payment medical network (insurance companies pay directly to medical institutions). Hospitals that are not in the direct payment list can apply for hospitalization advance payment and apply for claims after visiting the doctor. Among the direct payment hospitals in the middle of
, the top or high-quality hospitals in major cities are basically in the direct payment list. For example, UnionPay, East China, Ruigent, International Department, , Beijing Children's Hospital, , Beijing New Century, American Chinese Women and Children, Shanghai Ward, etc.
Since August 2022, the list of expensive medical institutions has been adjusted in the middle. For customers of "Zhengrong 2022", if the guarantee plan includes private medical institutions , it will be treated in Shanghai and Beijing (except Beijing United Family Hospital General Hospital and Beijing United Family Qiwang Oncology Center) United Family Medical Group , and will no longer be subject to the compensation restrictions on expensive medical institutions .
"Quick-end 2022" Currently, there are only mainland, Hong Kong, Singapore with expensive hospitals , such as Raffles Medical, Parkway Medical Group, Mingde, Elizabeth and other hospitals.
05
premium
"Zhengrong 2022" The same age premium is the same. When taking out insurance, you can also choose different protection regions, deductibles, and cover hospitals. You can flexibly match according to your needs.
Because of 4 plans, N combinations can be made, so I won’t show them one by one. The following premium list displays are: globally except for the United States and Canada, 0 deductibles, public/private/expensive hospital and Great China, 10,000 deductibles, public/private hospital .
Currently, Family insurance ≥2 people , has one adult who can enjoy a 15% discount for insurance , two adults can enjoy a 15% discount for insurance , two adults can enjoy a 15% discount for insurance . Parents and children can match different plans as you like . Adults are purely hospitalized + children including outpatient clinics, adults public hospitals + children expensive hospitals, adults 10,000 deductible + children 0 deductible. These combinations can all be realized.
Take the family of three to take insurance together as an example , both father and mother are 35 years old + 5 years old, the child's immunity is still in the process of establishing, and daily outpatient protection is required. Adults value major medical risks, value top private and good medical environment, and ensure the global excluding the United States and Canada. Different matching plans, the total premium for a family is also different:
1) All insured diamond plans to ensure that 8 million hospitalizations + 40,000 outpatient clinics
parents choose 10,000 deductible, Greater China, public and private hospitals, premiums of 27,794 yuan
children choose 0 deductible, except for the United States and Canada, public, private and expensive hospitals, premiums of 18,113 yuan
family enjoy 10% off, premiums of 41,316.3 yuan
2) 0 deductible, public, private and expensive hospitals
Parents invest [Gold Plan - 8 million hospitalization insurance] premium 24,910 yuan
children invest [Star Yao Plan - 16 million hospitalization + 60,000 outpatient clinic] premium 20,931 yuan
family of 3 enjoys 10% off, the premium is: 41,256.9 yuan
3) both have gold plans to ensure hospitalization of 8 million, 10,000 deductible, public and private hospitals
parents have a premium of 14,404 yuan, children have a premium of 3,417 yuan, and a family of 3 enjoys a 10% discount, and the premium is 16,038.9 yuan
Take the age of 30 as an example. Medical treatment requires outpatient + hospitalization guarantee. Usually, when you visit medical treatment, you prefer public international departments and private hospitals. You choose to have a deductible for hospitalization, and you have a platinum plan insurance plan with a premium of 7,588 yuan. You can get 25,000 yuan outpatient clinics in Greater China (including Hong Kong, Macao and Taiwan) with an outpatient clinic of 8 million yuan, and a 2,000 yuan guarantee for previous symptoms. Overall, "Zhengrong 2022" can be freely combined according to medical needs, and can provide personalized medical insurance to different customers to the greatest extent, which is relatively suitable for families to jointly take out insurance. However, this product also has its faults , such as the maximum renewal age is relatively low, the outpatient limit is relatively insufficient, and there is a separate limit on doctor fees in outpatient responsibilities. —END—
