Face the high income crowd to introduce the new advanced medical insurance intensively

Face the high income crowd to introduce the new advanced medical insurance intensively
Everybody's economic situation, risk take precautions against consciousness is different from partiality, its demand for the health insurance is different too. The low-income one can only often bear the social insurance, the deficiency of remedying the social insurance that the well-to-do level personage will often buy some commercial health insurances, but personage of those moderate yield, there is a higher demand on commercial health insurance. Unfortunately, before this, there are no too many products to put out in advanced medical insurance in every large insurance company, some advanced personages' individualized demand is very difficult to be satisfied.
The issue of the new medical reform scheme, many insurance companies aim at the advanced wealth personage one after another, has already or fermented and introduced the innovative advanced medical insurance, in order to meet the individualized health insurance demand of this colony.
The new medical reform promotes the development of advanced medical insurance
According to ensuring the range, social insurance only can ensure, seek medical advice hospitalization costs produced in the intersection of social insurance and fixed hospital, and use medicine the range is only limited to the social insurance uses medicine; The ordinary commercial medical insurance consult social insurance more and submit an expense account, and it is not high to ensure amount, ensure range contain, in hospital expenses, the intersection of operation and expenses,etc. only usually, usually can't submit an expense account for clinic, physical examination expenses, it is unable to meet some people to specially needing special demands such as the medical treatment, free choice hospital, medicine at one's own expense,etc..
Mr. Lin of Guangzhou worried for being unable to find one suitable advanced the intersection of health insurance and products from the beginning of this year. As the department executive of a property firm, Mr. Lin's nearly 600,000 annual incomes. Because the working intensity is big, Mr. Lin has been paying close attention to one's own health very much all the time, the company does social insurance for him, have bought the health insurance too by oneself. But a traffic accident at the beginning of this year causes many fractures, stomaches, spleen to bleed, let Mr. Lin experience the ordinary medical insurance is very difficult to meet one's own demand: "In order to resume as soon as possible, I have used much imported medicine, but the imported medicine can't submit an expense account. Want to change a hospital, it is very troublesome to carry on negotiations with the insurance company. The institutes of more than two months have lived, spent more than 200,000 yuan altogether, paid more than 100,000 yuan by oneself. " Mr. Lin tell reporter whether " injure heavy a bit, medical fee want up to a million yuan only. " Make Mr. Lin in a worried one, even if oneself is willing that spends the large price at the insurance expenditure every year, but there are not appropriate products that can meet the overall medical demand, hope the insurance company can put out the products of more suitable one's own demand.
At the beginning of April, announces formally, proposition develops the commercial health insurance actively for the first time for the new medical reform scheme, and encourage the insurance company to develop and meet the health insurance products of different needs. Under the circumstances that the new medical reform policy is promoted, the insurance company notices the insurance demand like wealth personage of the Mr. Lin type too, since the the near future, appear several face the intersection of Mr. Lin and the the intersection of middle class and advanced the intersection of medical insurance and product of personage at the market. As Sino-British life insurances put out " The international medical guarantee plan of years of rank and honour " One that is with Tai-Ping Life " Medical insurance 2009 " of gold shield group Products.
" 2009 " gold shields Guarantee amount of money last 500,000 yuans," the rank and honour years " On the basis of the concrete plan, the premium can reach as high as 1,500,000 yuan and 3 million yuan respectively. The improvement by a wide margin of the guarantee volume, can totally meet wealth personage's demands.
Not limited by the social insurance range
Compare the ordinary commercial health insurance, the advanced medical insurance has been further relaxed to specially needing the medical treatment, free choice hospital, the restrictions of these three links of submitting an expense account of medicine at one's own expense, make the assured seek medical advice and humanize, ensure more sufficiently, is not limited by the social insurance range at all further.
According to Sino-British life insurances, " years of rank and honour " As dangerous products, four major content such as insurance responsibility involving being in hospital and relevant service, particular organ transfer operation expenses, clinic expenses, physical examination, include the treatment of cancer, kidney and dialyse many kinds of special medical treatment such as the treatment, medical servicing unit of prescription and ensure responsibility; And minor parents accompany and attend to, have, settle a claim more humanized responsibility such as the subsidy are designed in hospital in hospital. But dentistry's medical insurance can be bought as the mainly dangerous accessory risk of this fund, the cover of department's medical demand of every tooth is very extensive; And the Tai-Ping Life one " Gold shield is 2009 " Customize 4 guarantee plan, can according to the intersection of need and the intersection of freedom and association, insure, in hospital behind the responsibility, can choose whether to buy clinic, parenting, dentistry, physical examination responsibility or not freely.
The place where the advanced medical insurance is attractive also includes guaranteeing or paying the medical fee. Generally speaking, pay for the medical fee first in advance for the assured in compensation credit side type of the submitting an expense account medical insurance, later relied on relevant identification material and invoice of the hospital to wait until the insurance company submits an expense account. The advanced medical insurance is more flexible in the payment of the hospitalization cost.
In addition, the advanced medical insurance seldom limits some hospitals, can let the advanced crowd choose suitable and privately and foreign capitals hospital even international medical organization go to a doctor, as to the content that ordinary medical insurance such as Chinese medicine, physical therapy do not contain, advanced medical insurance too can ensure, even including spiritual the intersection of treatment and expenses of disease too can submit an expense account, thus let insureds enjoy the best medical care. However, " years of rank and honour " Guarantee area excluding China Hong Kong, Japan,etc. medical treatment last high area. Staff reporter Tian ZhiMing
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New product analysis of the advanced medical insurance
" years of rank and honour " Can offer, pay directly, seek medical advice in close the intersection of our country and close various schools of thinkers, foreign nearly 3000 frank pair of fixed medical organizations that cooperate with this company, as to relevant expenses that take place within the range of insurance responsibility, can enjoy frank pair of hospitalization cost, needn't pay first in advance, avoid because the situation happens suddenly in going on business or travelling to need treating, it is unable to pay the great amount of hospitalization cost; " 2009 " gold shields Can offer to the assured in hospital the hospitalization cost is assured, the assured only need before being in hospital, after phoning to obtain the arthorization of insurance company, can get in hospital the hospitalization cost is assured, do not need to pay first too. Both all right amount of money of settlement when settling a claim of the above-mentioned two kinds of schemes finally.
The advanced medical insurance can meet the wealth personage's individualized demand, its premium is not cheap naturally, " years of rank and honour " , just based on different premiums, every year ranging from 6000 yuan to 36,000 yuan in premium, and paid the premium in one year, if has not compensated, this part of premium can't be brought back. But the ordinary medical insurance relatively often needs only several hundred yuan cheaply at the price on the market.
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