Abstract: The high-end medical care with pure hospitalization protection is still very practical, and there are many people who come to me for consultation and insured. Next, I will spend time writing a few articles on various high-end medical situations in succession, hoping that it will be helpful to everyone, thank you.
. How about pure hospitalization guarantee high-end medical care?
. Analyze the comparison of six high-end medical products (pure hospitalization protection)
3. Share and share the claims for high-end medical insurance
Before sorting out this article, I will introduce myself first. I have been in the insurance industry for 7 years and have worked as a full-time high-end medical insurance broker for 3 years; I have assisted 480 families in policy services, and assisted customer claims services for 200+ orders. I have achieved millions of global roundtable members MDRT for many years; IQA International Quality Gold Award; I have obtained: China Life Insurance-Underman and China Life Insurance-Underman Certificate;
I have acquired customers by writing articles online. Every day, working hours: 6:00-00:00. I only do things about insurance. All customers are pure strangers online. I have written more than 3,000 questions and more than 200 articles in a year, and obtained 128 customers. I have been learning + outputting continuously. While my professionalism is getting higher and higher, I have also achieved the highest performance award in the insurance industry every year. Among my strange customers, the fastest stranger in Beijing, I only spent 1 hour and 48 minutes, from adding WeChat to completing a premium of more than 40,000 yuan.
Therefore, no matter the insurance law, the insurance terms of each insurance company, and various insurance-related professionalism, they are trustworthy and choice. I will keep doing the right thing, inspiring to restore the way insurance should be, be serious, rigorous, and responsible, be worthy of every customer who trusts me, witness each other with you, grow for life, and hope to help more people.
Now, we also have our own team. Currently, there are more than 50 people, with more than half of the master's degree or above. We also hope that more partners who want to be insurance brokers will inherit the insurance clearing. When we were about to be a team, our idea was to make achievements by ourselves and have replicable methods to be qualified to lead people. Therefore, after we started working in the team last year, our team was already the largest team in the branch within half a year. Everyone has the same values, and the others respect everyone's personality. I have a lot of practical experience. The path I have walked and the experience of growing up are vivid in my mind. I have clearly sorted out how to lead a person well and how to start from 0 to excellent. I can teach you all the money. Help you do it well. Thanks.
. How about pure hospitalization guarantee high-end medical care?
In recent years, more and more people have bought high-end medical insurance in various cities. The problems that high-end medical care can solve are large and mid-range medical care and million-dollar medical insurance . Let’s summarize:
. The wide range of medical institutions
High-end medical insurance has no restrictions on medical institutions. The insured can choose to go to the best hospital for treatment, such as the special needs department of public hospitals, international departments, or high-end private hospital . If the insurance amount is sufficient, you can even choose to go abroad for treatment, covering the world.
, wide coverage
High-end medical insurance not only provides high medical expenses such as outpatient, hospitalization, surgery, etc., as long as the premium is paid, physical examinations, dentistry, ophthalmology, fertility, and vaccines can be reimbursed.
3. You can enjoy high-quality medical services
You can arrange high-quality medical services according to the needs of the insured, fundamentally solving the problems of difficulty in seeking medical treatment, poor environment, and long waiting time. The medical profession will also be one-on-one service.
4. Direct payment for medical expenses
General medical insurance usually requires customers to advance the medical expenses in the treatment process, and only after the treatment is over can they be reimbursed. In this way, the patient or family may be worried about the treatment costs.The payment function of high-end medical insurance solves this problem very well. Medical expenses incurred will be paid directly to medical institutions by the insurance company.
This is all about the advantages of high-end medical insurance. Although high-end medical insurance has many advantages, it is very expensive. Even for domestic hospital products, the annual premium for adults is generally tens of thousands of yuan, so this type of product is more suitable for high-income people. When choosing insurance, remember to blindly take out insurance. You must start from your actual situation. If you don’t know how to choose, you can find a reliable insurance consultant. If you have professional guidance, you don’t have to worry about spending money in vain.
. Analysis of the comparison of six high-end medical products (pure hospitalization protection)
directly talk about the key points, look at the picture:
We have sorted out the 6 high-end medical insurances with pure hospitalization plans, namely: Fosun United Health’s Mingya Exclusive Health Protection Program; BUPA’s Excellent Plan and Excellent Hospitalization Program; China Merchants Xinnuo ’s Memorial Life; AXA Insurance Excellence-International Classic Plan; MSH Selected Program.
. From the perspective of insurance amount: BUPA superior plan 31.5 million AXA insurance excellence - International classic plan 18 million MSH selected plan 16 million BUPA excellent hospitalization plan 12.6 million CNN's Chunyue Life 10 million Fosun United Health's Mingya Exclusive Health Protection Plan;
. The protection region is the global eradication of the United States, Fosun United Health's Mingya Exclusive Health Protection Plan is the global eradication of the United States and Canada;
3. Other protection responsibilities can be found in the picture. If you need it, you can contact me for free.
4. The premium situation is as follows:
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3. Share the claims for high-end medical insurance
High-end medical care is designed for high-end people. Ultra-high insurance, breaking national medical insurance restrictions, direct payment for medical treatment, and extensive medical expense insurance is what we commonly call "high-end medical health insurance " or "international medical insurance". High-end medical care is a kind of consumer insurance .
High-end medical insurance makes the poor medical treatment process more comfortable and makes the complex checkout procedures simple. With just one insurance card, you can enjoy the medical environment of a private hospital, the convenience of signing and checking out, and international SOS rescue services.
However, there will also be problems in the claims for high-end medical care. Not all high-end medical care can achieve direct payment, and they can be reimbursed after leaving non-network hospitals (such as public hospitals). However, even if you are in a direct compensation online hospital, there will be refusal to pay. Today, the editor will tell you about common problems in claims.
Things to note when submitting a claim after the event:
Outpatient claims: Required information: claims application form, original invoice, case, prescription, some insurance companies will require additional copying of certificates.
Hospitalization claims: Necessary information: claims application form, original invoice, complete cases, drug fee list (or bill), diagnosis certificate, examination report, hospitalization medical record, discharge summary, ID card copy.
These materials are also very simple to organize, and they are all sorted for customers.
Post-account compensation FAQ
1. The account number of the claim notice is incorrect, and the customer provides the error;
2. The claim information is incomplete; lack of information.(See the precautions for submission of claims)
3. Previous symptoms ; (Definition of previous symptoms: Before this contract takes effect, the doctor has a clear diagnosis, and long-term treatment has not been interrupted; before this contract takes effect, the doctor has a clear diagnosis, and the symptoms have not completely disappeared after treatment, and there is a situation of interruption of medication; before this contract takes effect, this contract takes effect, and has not been diagnosed and treated by the doctor, but the symptoms are obvious and persistent. It should be known by ordinary people's medical knowledge.)
4. The liability for exclusion of is agreed in the policy ;
5. Compensation for pre-authorized projects is paid in part according to the contract;
6: Unless otherwise agreed or additional liability, most high-end medical care in China does not include fertility, dental and vaccine responsibilities. Except as otherwise agreed.
Post-response claim time limit:
It starts on the day the insurer receives the materials and enters them into the system; Note: It does not start from the time the customer sends it to the company's customer service.
Our company pays for express delivery every Tuesday and Thursday, and most of the claims are sent to Shanghai. The express delivery will take about 3 days to sign for;
Ansheng Tianping 7 working days;
Hong Kong Finance 15 working days;
Hong Kong Finance 15 working days;
Hong Kong Health 15 working days;
MSH 7 working days;
Hungary 15 working days;
MSH 7 working days;
Hung ml1BUPA 30 working days;
Allianz property 15 working days;
mid-range medical 20 working days;
7 working days for investment promotion;
0 1 Zhongyi group: 7 working days;
If the original invoice is lost, please provide the following materials before you can compensate:
Copy of the invoice stub of medical institution (copy with the special seal for hospital finance) Invoice Loss statement Complete medical record information The insured or beneficiary states in writing the reason and process of the lost invoice, and promises not to receive compensation from a third party. The above materials must be provided in full, otherwise the insurance company will not pay compensation.
Understanding and mastering the medical insurance claims process and claims information can quickly promote the progress of claims. I also remind everyone that during the claim settlement process, communicate with insurance companies, deal with problems in a timely manner, so that medical insurance claims can proceed smoothly, and customers can also get the claim payment as soon as possible. That’s all for sharing
. For more questions, we can also communicate with each other. I will know everything I know, and I will keep a lifelong learning mentality, witness each other with everyone, and grow for life, thank you.
Me: A senior independent insurance broker, with a long-term mentality, a unity of knowledge and action, serious, responsible, and professional service to every customer who trusts me. 3 years of experience in high-end medical insurance broker, Mingya Insurance Brokerage partner and MDRT, is more positive and grows for life with every client.
We: a high-quality team that provides comprehensive risk management services to urban new middle-class homes and medium-high net worth customers, with rich product consulting experience and a complete training system. Most of the team members graduated from first-class universities such as Central University of Finance and Economics, Tsinghua University Wudaokou School of Finance, , Tsinghua University , Sun Yat-sen University , etc., and have worked in top 500 foreign enterprises/state-owned enterprises/banks/government institutions, etc. Like-minded people are welcome to serve more customers with us neutral, objective and customer needs-oriented.
