Today's society, whether in China or even the whole world, if there is Money (money), you or your family can really do whatever you want when you see a doctor!
used to say "raising children to prevent old age", but to this day, this concept has changed greatly. Just take good care of yourself, don't cause trouble, and don't cause big risks. It is the best reward for your family, and be self-sufficiency first.
A few years ago, I gave birth to a child at the maternal and child health hospital. I went through the admission procedures at 2 a.m. until the afternoon when I arranged for a bed. The hospital beds suddenly became a scarce resource, and the corridors began to be filled with beds. I asked the doctor, was this the case before? The doctor replied that it wasn't so full. At that moment, I really realized that "population aging" was coming. The transmission effect of
has begun to spread from big cities to small and medium-sized cities. Hospitals in big cities may have endless crowds of people 365 days a year. For example, West China Hospital in Chengdu is overcrowded every day. But now that second- and third-tier cities have been transmitted, it is a relatively big problem. It is a faster pace of hospital expansion. "Scarcity" will become the main theme of the future!
So in recent years, commercial medical insurance will be sought after in the market. There are several reasons here:
1. Medical insurance can no longer make up for the expenses of medical expenses. If a greater risk occurs,
2. People have begun to seek better medical resources and high-quality treatment methods. Imported drugs and self-paid drugs meet people's needs but cannot bear high costs;
3. It is difficult to register, difficult to see a doctor, and the queue is headed. Most of the time you spend seeing a doctor is either on the road or waiting;
4. Young people buy it for their parents, hoping to alleviate the economic defense brought by future risks.
The newborn boom that comes with it makes the hospital even more crowded. Children's hospitals and maternal and child health hospitals are undoubtedly the places where you go to the hospital and feel the most crowded and crowded.
1. The Life of Million Medical Insurance
Million Medical Insurance is a supplementary medical insurance launched by insurance companies in the past two years to gain market and win customers. In other words, according to the insurance liability requirements, the remaining part that is not reimbursed for medical insurance, and the remaining insurance liability that meets the insurance liability of Million Medical Insurance is subject to supplementary reimbursement. However, the current Million Medical Insurance has a limitation, which is that it has a deductible. That is, the deductible for medical insurance, how much does it cost to exceed that deductible for reimbursement. Therefore, most of the million-dollar medical insurance is for larger or serious diseases. From a common sense, general hospitalization is actually not available. Secondly, because the price is OK, most people consume from .
But insurance companies have their own strategies. No matter what insurance is renewed for X years, it is a gimmick. If the market has it, there must be a follower. If you promise 5 years, then I guarantee 6 years. The core element is that the sale will be suspended. Insurance companies have suspended the sale of old products and asked users to upgrade the new models. In this way, the price of the product will be gradually increased, and at the same time, it also adds some better responsibilities. People have this mentality.
Insurance is a special financial product. Some people have bought medical insurance and have some physical examinations or some risks occur. If they cannot buy medical insurance in the future, they can only follow the regulations and continue to renew the insurance before they see whether the insurance company has a conscience, otherwise they will be tied to death and must follow the insurance company's wishes.
Someone saw the trick here from the beginning, so they avoid millions of medical products and choose the relatively better medium- high-end medical , because these products are relatively stable. At the same time, these products are products made by some foreign medical insurance service institutions. They have hundreds of years of insurance history, rich experience and good service.
However, people have little understanding of mid-to-high-end medical insurance. They may think it is expensive when they hear the word high-end. So what is the difference between mid-to-high-end medical care and millions of medical care? Let me tell you a story about mid-to-high-end medical insurance.
2. The mystery of the birth of mid-to-late medical insurance
In the mid-to-late 1990s, China opened up to the outside world, attracting a large number of foreign investors to invest in China, and high-end commercial health insurance in Europe and the United States was also brought into China. A large number of foreign business people and foreign company executives worked in China, and found that they encountered troubles when seeking medical treatment , such as language barriers, medical reimbursement, and reimbursement for treatment , and other problems. For this reason, insurance companies that provide high-end commercial health insurance in their own country introduced relevant insurance services to China, thus opening up the development of high-end medical care in China.
After China joined the WTO organization, it has communicated more frequently with other countries and regions, and the number of Chinese overseas business people has gradually increased. They are facing real overseas medical needs. For them, joining local high-end medical insurance is the best way to deal with health risks overseas. After that, as people's living standards continue to improve, more and more high net worth people are no longer satisfied with general basic medical services. The medical environment is good, no need to queue up, will not cause cross-infection, and the privateness is favored by more and more high net worth people. Localized high-end medical care with medical services has become popular.
3. What are the medical "privileges" for mid-to-high-end medical care?
Mid-to-high-end medical insurance is not a luxury for rich people to enjoy a comfortable medical environment. For ordinary people, mid-to-high-end medical insurance is a necessity for solving medical resources and medical expenses
1. Solve the problem of difficulty in seeing a doctor
3. MSH, a health insurance service provider with a relatively cost-effectiveness, helps make appointments for expert accounts. Experts often visit multiple channels such as special needs departments and private hospitals. Through the channels of professional insurance companies, appointments are faster.
, and high-end medical insurance can cover medical resources in Hong Kong, Macao, Taiwan, Asia, Europe, the United States and other regions, and can also reimburse most of the medical expenses. Even rich people cannot withstand the cost of going overseas for major diseases, and millions are the norm.
2. Solve the problem of tight beds
. Not to mention paying for overseas treatment, even if you are in China, the wards of a good hospital are hard to find. The general wards are overcrowded, and the mid-to-high-end medical insurance can reimburse the expenses of special wards, VIP wards, and international wards. Whether it is the waiting time of hospitalization, the hospitalization experience and environment, it has great advantages over ordinary wards.
3, purchase of drug claims
, high-priced outbound drugs, mid-to-high-end medical insurance can be reimbursed, and high-end medical insurance can also reimburse the most advanced drug costs in Hong Kong, Asia, and even the world.
4, the insurance amount is high, and the insurance amount of
is relatively high, ranging from millions to tens of millions of dollars. This is not a gimmick or useless, because some insurance responsibilities can directly access overseas medical treatment, one-stop medical treatment plan, so super high insurance amounts, such as 8 million, 15 million, 50 million, etc. Except for seeking medical treatment in the United States, policyholders basically don’t have to worry about the upper limit of the coverage.
5, Personalized needs protection project
There are many high-end medical insurances that include tooth cleaning, filling, oral care, ophthalmology, physical examination, vaccine, prenatal examination, and delivery.
4. How to choose high-end medical insurance?
Choose high-end medical insurance based on the coverage area, coverage amount, hospital scope, coverage responsibility, insurance region, and self-payment ratio. In the same sentence, what suits you is the best.
1, coverage area
This can be selected according to the standard of your frequent visits to the hospital or the guarantee area you expect to cover. The mainland, Greater China to the Asia-Pacific region, the world is excluding the United States and the world. Generally speaking, because medical expenses in the United States are expensive, plans with Midea are about twice as expensive than plans without Midea.
2. Setting the coverage amount
is mainly the coverage amount for inpatient and outpatient clinics. The coverage amount for high-end medical treatment ranges from one million to five million to 30 million or even unlimited. So how to choose this coverage amount? It still depends on the medical prices of the regular medical treatment areas and hospitals. Many people believe that the coverage of high-end medical insurance is inflated. If the coverage is limited to the second-level public ordinary department in China, it is indeed no matter how high it is, it is not much higher. However, if it is necessary to cover expensive hospitals, the United States and other areas, it is sincere. This year, a mother in BUPA China received more than 10 million yuan in treatment costs when she gave birth to a child in the United States. In the end, the mother and son were safe, and the insurance company also paid full compensation.
3. Hospital scope
Although most high-end medical institutions are limited to legal medical institutions, in order for us to enjoy the convenience of direct payment for medical treatment, we need to examine the scope of direct payment hospitals in the insurance plan. Since the scope of direct payment hospitals of each insurance company is different, it is necessary to confirm in advance that the preferences and expectations of hospitals are not within the scope.
4, protection responsibility,
, the protection responsibility of high-end medical care generally includes the following sections: inpatient, outpatient, health examination, vaccine, dental/ophthalmology/hearing aids, maternity and neonatal care, emergency transportation, etc. Just choose and match according to your own needs.
①【Inpatient】
This is the core part of high-end medical insurance. Generally, the total insurance amount for the same year. The coverage responsibilities include reasonable and necessary treatment fees during the hospitalization period, home care before and after hospitalization, outpatient expenses related to hospitalization, hospice care, etc. When choosing, you need to pay attention to the upper limit of compensation. For example, organ transplantation will be listed separately to set a limit. Of course, for us consumers, the fewer the restrictions, the better.
②【Outpatient clinic】
Outpatient clinic is the most frequently used item in high-end medical care. Outpatient clinics generally have separate limits. Some medical insurances will set out outpatient times, such as traditional Chinese medicine, physical therapy, etc., and there will be limits on the quota and the number of times.
③ [Health Physical Examination] This item is very meaningful for us to manage health personally. At the same time, the significance of the physical examination is that if we feel uncomfortable and want to go to the hospital for treatment, if no problem is found, there are projects that can be covered, reducing the possibility of insurance companies refusing to pay.
④【Vaccines】
If you bring a newborn or a child to the insurance company, a vaccine program will usually be considered. The vaccine liability in high-end medical insurance can cover the imported vaccines by private hospitals, and this is generally subject to a limit. Because the vaccine liability claims are too high, in order to balance the fees, most high-end medical insurances with vaccine liability do not support children to take out separate insurance.
⑤ [Pregnancy and Newborn Care]
Maternity and birth responsibility includes risks such as prenatal examination, delivery, maternity and birth complications, neonatal care, etc. This project generally has a 12-month waiting period, which means that if you consider using high-end medical insurance to prepare for pregnancy, if you want to cover all costs from prenatal examination to childbirth, you need to take out insurance for the year before pregnancy.
⑥ [Dental/Ophthalmology/Hearing Aid]
This project is generally used as an additional optional responsibility, and there is also a separate upper limit. Dental responsibility generally has a waiting period, such as 6 months of routine and 12 months of deformity correction.
5. Insured region
Because insurance products in different countries are subject to different laws, and the claims for medical insurance plans are responsible for the sales location. If overseas insurance products are purchased from underground, due to differences in medical systems, some claims may be rejected. Therefore, it is recommended to take out insurance at the permanent residence of work and life and purchase the local medical plan of the permanent residence. Buying high-end medical care is for a high-quality and worry-free medical experience. There is no need to cause unnecessary trouble to yourself due to small losses.
If you are worried that your work, life and study areas will change in the future, choose a global plan, and you can transfer insurance even if you immigrate. In addition, most medical insurances have domestic residence requirements. If you change your permanent address later, you need to contact the insurance company to inform you.
6, deductible and out-of-pocket ratio
are for rate discounts, but if the rate is sufficient, it is not recommended to set it in advance, because if you want to cancel the deductible in the future, you need to re-underwrite the waiting period.
[Deductible] Setting the deductible can increase the leverage ratio, and the insurance company only pays the deductible to the middle part of the annual upper limit.
[On-payment ratio] This part is whether the insurance company will be fully responsible for the premium of the corresponding project or bear part of it. If you bear it yourself, how much proportion of the problem you bear it yourself. For example, if you choose a self-payment ratio for expensive hospitals, there will be a discount on the fee rate.
has a good medical insurance, but in fact, it has at least the best medical resources in mainland China.
costs do not need to be paid in advance. Insurance companies provide direct payment functions, claims are more humane and products are more stable.
Compared with over-promotion and price-induced millions of medical care, low-key mid-to-high-end medical insurance, it obviously requires more popular science...
