Some time ago, the flu was very serious, and the hospital was basically crowded.
Waiting times start in a few hours.
Adults also said that they could endure it, but when children got sick, they were really anxious.
If you go to the special needs department or the international department of the hospital, it is really much more comfortable.
There are fewer people, and the services and environment are better.
However, the cost is also relatively more expensive, and medical insurance, or even most medical insurance, cannot reimburse it.
It's all at your own expense, and it's really painful.
So many people can only continue to wait in the general department of public hospitals with tears in their eyes....
But if you have a mid-to-high-end medical insurance, it's different!!
Many products can reimburse the expenses of the special needs department, the international department, and even private hospitals.
Moreover, the coverage is wide and the reimbursement ratio is relatively high, so you can easily achieve the freedom of medical treatment!
What are the high-quality mid-to-high-end medical insurance on the market?
What are the advantages compared to conventional medical insurance?
Let's take a look.
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01
What are the protection advantages of mid-to-high-end medical insurance?
Compared with most million-dollar medical insurance, mid-to-high-end medical insurance has the following advantages:
1. Wider range of medical treatment and high medical comfort
Compared with ordinary million-dollar medical insurance, mid-to-high-end medical insurance has an obvious advantage.
That is, the range of hospitals that can be reimbursed is wider:
- Million Medical Insurance: Medical expenses of the general department of public hospitals of the second level and above;
- Medium and high-end medical insurance: can be reimbursed for the general department of public hospitals above the second level/
In terms of medical experience, there is also a big difference:
The expert number, which is usually hard to find, can be easily hung up,
And there is no need to queue, convenient and fast.
The medical environment is relatively comfortable and private.
The patient's body and mind can be better relaxed, which is conducive to recovery.
2. The content of the guarantee is more comprehensive, and the degree of freedom to see a doctor is high
We all know that most of the million medical insurance covers the expenses incurred after hospitalization.
There are no ordinary outpatient and emergency departments, accident outpatient clinics, etc.
This is not the case with mid-to-high-end medical insurance, where most of them come with their own or are free to add to them.
If you or your family members have a minor illness or pain, you can be reimbursed even if you go to a special needs hospital or a private hospital to enjoy better medical services.
Dental treatment, nursing expenses, TCM treatment, etc., are also not covered by the million-dollar medical insurance.
Most of the mid-to-high-end medical insurance has these benefits.
I have listed some of the content comparisons for your reference:
Individual mid-to-high-end medical insurance, and even direct payment services,
If you are treated at a designated hospital, you can pay for your medical expenses online.
There is no need for patients to pay out of pocket, saving time and worry.
3. The claim threshold is lower and more can be reimbursed
Generally speaking, there will be a claim threshold of about 10,000 yuan for millions of medical insurance.
Most of the mid-to-high-end medical insurance either has a relatively low deductible.
Alternatively, you can choose a deductible based on your actual needs and budget.
In contrast, if the budget allows, choose the version with a low deductible, and the claim threshold is much lower.
The more practical it is, the more money you can reimburse.
02
What are the mid-to-high-end medical insurance companies on the market that are worth buying?
I have selected a few high-quality products from the popular products on the market:
- New Yanbao 2024;
- Excellence Xinxuan 2023 Edition;
- Growth Privilege Plan 2024 (Nationwide);
- Enjoy high-end medical care for babies and children (national version).
Here's a basic introduction to them:
Briefly tell you about the features of these products:
1. New Yanbao 2024
The basic facts of this product are as follows:
There are three optional plans, which are Plan One/Two/Three,
The main benefits include hospitalisation and day treatment, outpatient medical treatment and emergency and transport expenses.
At the same time, it covers the treatment of congenital diseases and symptoms, the treatment of mental and psychological disorders, sleep examination and treatment, medical consultation and examination related to vision correction, etc.;
For chronic diseases and critical illnesses unrelated to pre-existing conditions, if the claim conditions are met, the full amount of the claim can be claimed.
You can also add additional benefits according to your budget and needs.
For example, there are upgrade packages, Kelly packages, Birkin packages, experience and vaccine packages, median vaccine packages, dental benefit packages, and growth hormone clinic packages.
After the upgrade, the sum insured is higher, and the minimum deductible is 0.
There are the following highlights:
Pre-existing conditions can be insured, and even if you have been sick, you can get a reimbursement of 2,000-10,000 yuan;
Access to more top-notch medical resources, such as United Family Hospital, Raffles City, and Kyoto Children's Hospital;
All three basic plans come with outpatient benefits, which provide comprehensive coverage to meet the common outpatient needs of children.
It is more suitable for the following groups of people to apply:
People who value the medical experience and have diverse needs for children's health management
2. Excellence Xinxuan 2023 Edition
The basic facts of this product are as follows:
There are eight versions to choose from: Standard Edition 1/2/3/4 and Special Edition 1/2/3/4.
The deductible can also be selected according to the actual situation, and the minimum can be 0 deductible.
It includes general medical care, critical illness medical treatment and critical illness hospitalization allowance.
Of course, it can also be attached according to the actual situation: outpatient and emergency treatment, special drug protection, critical illness insurance, specific medical equipment, etc.
Medical expenses that meet the conditions for claims can be reimbursed 100%, and the compensation ratio is high.
The value-added services are very considerate:
There are the following highlights:
The amount of protection is high, with a maximum of 2 million for general medical treatment and 4 million for critical illness medical treatment;
The content of the guarantee is comprehensive, the choice is flexible, and the abundance and thrift are made by others;
And there is a wide range of people who can be insured, and the maximum support for people under the age of 59 is supported.
It is more suitable for the following groups of people to apply:
Elderly users, those who pursue personalized protection content, or those who have high insurance needs.
3. Growth Priority Plan 2024 (National Version)
The basic facts of this product are as follows:
There are two versions of the Growth Plan and the Prestige Plan, and the basic benefits include general medical and outpatient and emergency benefits.
The payout ratio and deductible are different between the two versions, but they are also not limited to social security coverage.
If you meet the conditions for claims, you can be reimbursed within the scope of responsibility, and there is no limit to the number of outpatient and emergency visits.
Optional benefits include dental, ophthalmology, and health check-ups and vaccinations under the Prestige Plan.
There are the following highlights:
The outpatient and emergency insurance amount is high, with a maximum insurance amount of 100,000 yuan;
The optional insurance content is practical, such as dentistry and ophthalmology are currently relatively expensive items;
A child may be an individual insured.
It is more suitable for the following groups of people to apply:
Children under the age of 14 who want to provide comprehensive protection for their children
4. Enjoy high-end medical care for babies and children (national version)
The basic facts of this product are as follows:
There are two types of insurance plans to choose from: Premium and Premium.
The basic benefit covers general medical insurance, outpatient and emergency medical treatment, and medical treatment for specific drugs for malignant tumors.
There is also leukemia insurance money!
If you are really unfortunate enough to suffer from leukemia, the compensation of 1 million/2 million is still very large.
There are the following highlights:
The sum insured is very high, with a maximum compensation of 3 million;
There are few restrictions on the out-of-hospital medications needed for cancer.
It is more suitable for the following groups of people to apply:
People who are interested in cancer protection and are looking for a higher sum insured.
03
Daddy concluded
More and more friends are gradually beginning to value the medical experience.
In addition to reimbursing medical expenses, I also want to be more comfortable with medical treatment.
Medium and high-end medical insurance can meet the needs of this part of the population.
It is slightly more expensive than millions of medical insurance, but the protection content and claim threshold are also lower.
Saving time on medical appointments is also very valuable.
If you want to know more about mid-to-high-end medical insurance products, please click here to consult us