at this time, if you have high-end medical insurance, you can visit your children in private hospitals or international departments and special needs departments. Not only are there no environmental and time problems, but you don't have to worry about the cost.
1. Why do children buy high-end medical insurance?
1. Time to liberate parents: In our country, many couples need to go to work. As long as the children are ill, one of them has to take most of the day off, which will have a certain impact on his work.
2. Improve the efficiency of baby's treatment: compared with other departments, pediatric resources are in short supply, but the number of visits is more than other departments, so it is difficult to see a doctor (there are less than 1 in line for n hours)
3. Avoid cross-infection: there are many people in general departments of public hospitals, which is easy to cause cross-infection; Private hospitals or expensive hospitals can only see a doctor at an appointment time, so as to avoid population density and reduce the probability of infection.
4. Vaccine protection: Children need to be vaccinated regularly. Some parents want to get imported vaccines and will go to private hospitals to solve them. High-end medical insurance can directly underwrite imported vaccines, which is more worry-free.
2. How to choose high-end medical care
1. Selection of coverage area
The optional coverage of high-end medical insurance includes: Chinese mainland, Greater China (mainland China, Hong Kong, Macau and Taiwan Province), Asia, the world (except the United States and Canada) and the whole world.
if you often travel abroad and need to go abroad for medical treatment after getting sick, you can check the relevant coverage. Of course, the choice of region will directly affect the premium: the wider the coverage, the more expensive the premium.
2. Choice of hospital for medical treatment
In addition to general departments and international/special departments of public hospitals, ordinary private hospitals and expensive private hospitals can also be selected for high-end medical insurance. Similarly, the more hospitals inspected, the higher the premium.
in order to save money for everyone, I have to mention that the private hospitals and your hospitals insured by major insurance companies are mainly concentrated in Beijing, Shanghai, Guangzhou and Shenzhen. For example, if you are in a non-first-tier city, the value of choosing a private hospital may be limited, so you can consider covering the international department/special needs department of public hospitals.
In addition, in terms of direct payment hospitals, it is not the more the better, but whether your city and the hospital you want to see are in the list of direct payment hospitals of this product.
3. Specific protection needs
High-end medical insurance, where is the high end? One of the key points is that you can choose maternity insurance, physical examination, vaccines, dentistry, ophthalmology and other medical insurance that are not available-this is a typical on-demand configuration.
For example, if you plan to get pregnant, pregnant mothers can consider maternity protection and go to private hospitals that don't need to wait in line to provide caring services. Expensive expenses are covered by high-end medical insurance, which can greatly improve the integrity from pregnancy to delivery in October. Medical experience. For some products, there is a special guarantee to go to the United States for sub-version.
3. Precautions for insuring high-end medical insurance
1. Insurance requirements
Some products cannot be insured independently for minors. Children aged -17 can only be insured as affiliated insured, and extra premium is required. Enjoy the same protection benefits as major insurance companies.
2. nature of compensation
although high-end medical insurance has super high coverage, it still follows the principle of compensation for losses. The reimbursement amount will not exceed the actual medical expenses, so it is better to choose moderate protection. There is no need to blindly pursue the "ultra-high" tens of millions of insurance coverage. After all, the higher the insurance coverage, the more expensive the premium.
3. No guarantee of renewal
High-end medical insurance is the same as ordinary medical insurance, and it is guaranteed for one year. There is no guarantee of renewal. The premium rate will be adjusted every 5~7 years (the specific interval depends on different products), but the renewal of insurance will generally not be re-insured.
4. Not all contents are included.
High-end medical insurance allows us to enjoy better medical resources, but it does not mean that there are no restrictions. Like millions of medical insurance, high-end medical insurance must reimburse "necessary and reasonable" expenses.
For example, the plastic surgery required for an accident is covered, but the pure medical beauty is not. Remind everyone that it is very important to see every liability exemption.
IV. Recommended high-end medical insurance for children
Product name: Yong 'an Newborn Children's Medical Insurance
Underwriting company: Yong 'an Insurance
Yong 'an Insurance was established in 1996 with a registered capital of over 2.6 billion yuan. Anyone who knows about insurance knows that insurance companies have always been difficult and stability is not a problem. This paper introduces medical insurance. Medical insurance is essentially a kind of service insurance. Let's focus on its medical service provider
service underwriter: MSH
MSH CHINA was established in 21 and is the Asia-Pacific headquarters of MSH INTERNATIONAL. The four global regional headquarters are located in Paris, Toronto, Dubai and Shanghai. MSH CHINA is naturally located in Shanghai.
Therefore, MSH is a global health service provider, and has established cooperative relations with them, covering 15 countries, of which 2,19 are in China. They are the first service providers in China to cooperate with the top three authoritative companies. Its medical service network system is complete, and it can provide services in 4 languages around the world.
As far as China is concerned, the well-known Peking Union Medical Association and China-Japan Friendship are all on the cooperation list, and they are also guaranteed to become their families and their services are guaranteed.
product features:
1, -17 can be insured separately (this is rare, and adults usually buy it with their children)
2, it covers hospitalization+outpatient service (plan C has physical examination and vaccines), and there is no waiting period for outpatient service
3, outpatient appointment and direct payment service (too practical for children, so it is not necessary to toss about illness) < Experts recommend appointments; Hospital operation green pass; The second medical treatment in the world
is suitable for people: minors who live in mainland China and want to enjoy high-quality and rich medical resources
What should be covered?
Hospitalization responsibilities
1. Hospitalization and day care
Specifically, there are: hospitalization and accommodation expenses, operating room expenses, emergency room expenses, bed accompanying expenses, ICU ward expenses, doctor's consultation expenses, surgeon's expenses and anesthesiologist's expenses, nursing expenses, treatment expenses, examination expenses, hospitalization medicine expenses, surgical dressing expenses, orthopedic surgery expenses, durable medical equipment expenses and ambulance expenses. Including malignant tumor electrotherapy, chemotherapy, radiotherapy, tumor targeted therapy, tumor endocrine therapy, tumor immunotherapy, proton heavy ion therapy
3, transportation subsidy for medical treatment in different places < P > None in Plan A, Plan B/C has 1, yuan
4. Outpatient responsibility (outpatient service has no waiting period) < P > Specifically, it includes: doctor's fees, expert outpatient fees, prescription drug fees, laboratory fees, examination fees, emergency room fees, ambulance fees, and emergency dental treatment fees < P > Plan B/C additionally includes: large-scale examination fees, outpatient surgery fees, physical therapy fees, and acupuncture and moxibustion in traditional Chinese medicine.
Yong' an Xinshengdai is very cost-effective in children's high-end series. The cost is as follows:
Plan A: -17 years old, with a premium of 7,2 yuan
Plan B: -17 years old, with a premium of 12, yuan
Plan C: No expensive hospitals, -7 years old, 19,8 yuan, and 8-17 years old. Choose an expensive hospital, -7 years old, 26,7 yuan, 8-17 years old, 17, yuan
Example:
When Ms. Tang's daughter was 2 years old, she had a high fever in the middle of the night, and Ms. Tang took her child to the most authoritative emergency department in the city. It was a sleepless night. Ms. Tang never expected that there would be so many people in the hospital at 1: a.m., and what could be done in half an hour finally took three hours. Because there were so many patients, every link had to be queued, and doctors were understaffed, so the service was obviously not available. When talking with friends, friends recommended her to learn about high-end medical care, which can go directly to the Golden Card Department, the Special Needs Department or the private hospital.
according to Ms. Tang's needs, we matched, and MSH Yong 'an Xinshengdai Medical Insurance Plan B
can provide Ms. Tang's daughter with inpatient and outpatient services, make an appointment before diagnosis, pay directly after diagnosis, and go to all public and legal private hospitals in mainland China, except expensive hospitals.
Private hospitals like the following can make an appointment and pay directly:
Ms. Tang can take her children to private hospitals directly. If it is necessary to transfer to the public sector again, the insurance company can help to make an appointment, which greatly solves the time and energy and reduces the tossing of children when they see a doctor. < P > We customized the plan for Ms. Tang, with a premium of 12, yuan. By roughly comparing the price and the prices of other high-end medical care, MSH selected hospitalization+outpatient service, with a premium of 14,867 yuan. Compared with the premium of Xinshengdai, it's fairly cheap.
what is not guaranteed? Happy to be born without care for the past, congenital, mental illness, hospice care, and move to MSH selection for those who need it.
Expensive hospital: Expensive hospital is a kind of independent and higher-level existence than private hospital
For example, Eagle Pavilion Hospital in Singapore is a typical expensive hospital with strong privacy and advanced medical system. The president suite in Eagle Pavilion costs about 36, RMB, and the cheapest four-person one night is 1,3 RMB
Xinshengdai Plan C, so you can choose expensive hospitals, which are mainly in Beijing and Shanghai
.
There are Baihui Medical Group, Shanghai Oriental International Medical Center and Shanghai Quankang Medical Center in Shanghai. In addition, there are Guangzhou, Shenzhen, Tianjin, Qingdao, Hainan, Chengdu, Suzhou, Nanjing and Dalian. If you have expensive demand, it is recommended to take a look at your permanent city and decide whether it is covered.
that's all the knowledge about children's high-end medical care. If you want a well-equipped insurance plan, you can find a professional insurance broker to provide services for yourself. You can search for Baibaojun in Baidu. There are excellent professional insurance brokers in China to choose from on Baibaojun platform.