Introduction: A few days ago, a friend found me and wanted to purchase " high-end medical " insurance. I was very surprised, what made him change so much? I remember talking about insurance with him before. He is a typical "anti-insurance element". No one believes it except himself. It has only been not long since. What caused his attitude to change by 180°?
After learning about it, I learned that the son of his relative had hit a tree next to the slide because he did not control his speed while skiing in Japan and fell into a coma. Fortunately, he urgently started the helicopter rescue , and he was able to save his life in the fastest rescue time. It was because my relatives bought a "high-end medical insurance" for my son in Hong Kong before, and I suddenly realized after hearing this, so that's it! So what is high-end medical care? What problems can be solved by people?
Directory
- What is high-end medical
- Medical insurance There are several levels of demand
- What can high-end medical care do
- High-end medical price
- High-end medical care is suitable for the population
01
What is high-end medical care?
High-end medical care is a commercial medical insurance designed for high-end people. It solves the domestic medical dilemma and obtains high-leverage tools for freedom of medical treatment abroad.
Even if you are the richest man in China, no matter how wide your connections are, you cannot freely choose the best hospitals and doctors in China, and choose the top and most advantageous hospitals and doctors for different diseases. Not to mention choosing high-quality medical resources around the world, high-end medical care can perfectly solve this problem.
In addition, most high-end medical care can also provide global emergency rescue services, including emergency medical transfer, medical repatriation, body repatriation, arrangement of visits to relatives and friends, and transportation to accompany children. Many seemingly simple projects here are difficult to complete by relying on personal abilities, such as the one mentioned at the beginning of the article " helicopter transports ".
2
People’s demand for medical insurance hierarchy
High-end medical care is still very unfamiliar to generally. Most people think that you can spend a few hundred yuan to leverage commercial insurance (million medical insurance). Why do you still need to spend so much money to buy high-end medical care? It's purely burning money.
In fact, this is a misunderstanding of high-end medical care. The difference between high-end medical care and million-dollar medical care is not a small part.
can be divided into four aspects according to people's needs for medical treatment:
The first layer: million-dollar medical care is the burden of reducing large medical expenses. To put it simply, the cost of hospitalization should be reimbursed as much as possible to reduce the burden on the family economy.
second layer: mid-range medical care, which is a common small expense, common outpatient clinic for colds and fevers, and people who want to go to the international department of public hospitals and special needs department for medical treatment.
3rd layer: special medical treatment, medical needs for specific diseases, such as cancer, coronary artery bypass surgery, living organ transplantation, bone marrow transplantation, neurosurgery, heart valve replacement or repair surgery, overseas treatment can be selected, etc., breaking through the limitations of domestic medical level.
The fourth layer: high-end medical care is to enjoy more and better medical resources. For example, go to private hospitals with better medical environments and even go to developed countries such as the United States, Canada, and Japan to find the most advantageous hospitals for corresponding diseases to see a doctor.
Comparing these four layers of needs, we will find that both medical insurance and million-dollar medical insurance can only meet a small number of medical treatment needs. If you want to enjoy high-quality medical resources and services, you need high-end medical insurance.
03
What can high-end medical care do?
breaks through the social security restrictions and can use drugs freely
As we all know, social security reimbursement has a certain deductible and capping line, including strict control over the scope of use of drugs. Generally, a certain reimbursement ratio can be limited, while high-end medical care can break through these restrictions and directly achieve 100% full compensation for . Patients can choose to seek medical treatment drugs and devices willfully.
upgrades the medical environment and improves the medical experience
"Ceil for three hours, three minutes for medical treatment" . I believe that many people who have been to hospitals have a deep understanding of this sentence, especially in first-tier cities such as Beijing and Shanghai, they should be able to deeply understand the pain of poor medical experience.
High-end medical care can be freely chosen to visit international departments, special needs departments, private hospitals or even expensive hospitals in public hospitals (Hong Kong Mingde Hospital. United Family, etc.). There is no need to queue up. Experts will receive , even the fees will be paid directly by the insurance company. . greatly improves the medical level and medical experience.
resources are preferred to enjoy
With the help of high-end medical service network, we can obtain priority for scarce medical resources. Customers only need one phone call. The reimbursement company provides medical services throughout the process, such as outpatient appointments and hospitalization or surgical coordination, helping users to be admitted to the hospital as soon as possible for treatment.
I believe everyone knows that hospitals also have misdiagnosis times. The misdiagnosis rate of cancer in my country is about 30%. You may have heard of the following case.
Cases come from: Dingxiangyuan Practical cases
High-end medical care can not only solve problems such as medical environment, direct payment of expenses, but more importantly, it can connect with authoritative experts at home and abroad to provide second domestic and overseas diagnosis and treatment opinions services (within the scope of domestic and foreign cooperative medical institutions/experts, find high-quality medical resources, provide users with professional written medical advice, seek the best solutions, and avoid misdiagnosis). Ensure the correct direction of subsequent treatment, which is the greatest respect for the patient's life.
low premium, high leverage
high-end medical care can not only leverage high-quality medical resources around the world, but also enjoy super high leverage insurance coverage. Generally, high-end medical care has an insurance coverage of between 3 million and 20 million, and some do not even have the maximum limit . Enough to cover medical expenses in any extreme situation.
Especially for cancer treatment, the world's top cancer tumor treatment center is in the United States. In 2016, a cancer doctor went to the United States to seek medical records caused a sensation. Xu Hua, who was told in China that he had half a year, received the latest drug treatment after going to the United States for medical treatment and survived for at least three years, but he also spent nearly 4 million in to spend . This fee is still unbearable for ordinary families.
04
High-end medical price
Take the msh selected personal plan as an example:
0-year-old baby, chooses a medical treatment area globally, covering public, private, and expensive hospitals, sets 0 deductibles, hospitalization coverage quota 16 million, and premiums around 12,426/year;
30-year-old person, chooses a medical treatment area globally, covering public, private, and expensive hospitals, sets 0 deductibles, hospitalization coverage quota 16 million, and premiums around 13,000/year;
Once the outpatient protection is added and the deductible is not set, the premiums are much higher.
0-year-old baby, chooses a medical treatment area globally, covers public, private, and expensive hospitals, sets 0 deductibles, the hospitalization guarantee quota is 16 million, and the premium is about 34,406/year;
30-year-old person, chooses a medical treatment area globally, covers public, private, and expensive hospitals, sets 0 deductibles, the hospitalization guarantee quota is 16 million, and the premium is about 365.43 million/year;
05
High-end medical care is suitable for the population.
- You don’t have to rely on "human favors" to find better doctors and beds. People who want to lock in better medical resources and experience a better medical environment (private hospitals, expensive hospitals);
- high net worth customers and business owners;
- people with specific needs and specific welfare needs, such as pregnancy and childbirth (to go to the United States to have children), dentistry, physical examinations, ophthalmology, etc.
In short, in addition to the price, we should consider the company's medical service experience and capabilities, as well as the stability of the product.
So when we choose, we should combine our own needs and the scope of hospitals that need to be covered, such as whether we can seek medical treatment in Asia, or whether global resources are needed in addition to the United States, or even global resources. Should we only consider the hospitalization responsibility, or do we need to attach the outpatient responsibility, or prepare for pregnancy, or should we fully communicate with the broker before making a decision if we consider the actual situation of vaccine services for the baby and make a decision. For more information, please contact me to discuss further.
Insurance does not change life, but it can keep life from changing!
About the author
Before the article is unfolded, I will briefly introduce myself. I have been working in real estate for 20 years. When real estate entered the black iron era, I changed my career and entered the insurance brokerage industry. Therefore, for someone who likes to stick to long-termism, I am very optimistic about this industry. To be precise, I especially like the profession of insurance brokerage. Because this profession represents the interests of consumers, and is to select products completely from the perspective of consumers and based on consumers' own needs; we do not stand for any insurance company, and are not insurance agents in the traditional sense. I hope I can realize my ultimate dream in this industry and be a professional and warm insurance broker around you!
Food, beautiful scenery, beautiful life lovers
