Text |Ma into Luke
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Some netizens asked:
Take this opportunity to talk about million medical insurance.
To meet the protection of this netizen, the following 4 points should be considered:
1. It is not subject to the restrictions of medical insurance status and DRG
2. 0 deductible for hospitalization
3. Guaranteed renewal
4. Contains special drug protection
To put it simply:
If we have to use medical insurance for reimbursement, we will encounter certain restrictions when we see a doctor.
For example, it is difficult to prescribe imported drugs and original drugs from hospitals, because doctors will give priority to prescribing generic drugs with "volume procurement", and they must first complete the sales task of generic drugs. and the patient being forcibly transferred to a hospital for 15 days in hospital.
Coupled with the implementation of DRG, medical insurance cost control is always carried out in places we can't imagine, and doctors have to be careful in their treatment from now on. After a top thoracic surgeon in Shanghai treated a patient, he was deducted 14,000 yuan from his salary because of DRG fee control issues.
Therefore, million medical insurance can be considered to be purchased with "no social security status", which can avoid the above restrictions to the greatest extent.
When you go to the doctor, tell the doctor: I have commercial medical insurance, and I don't go through medical insurance reimbursement, you can prescribe imported drugs for me, how to ** the best and most effective, how **.
Of course, if you have a condition that is exempted by commercial medical insurance, or if you seek medical treatment for a pre-existing condition, you should still remember to take medical insurance.
Million medical insurance has a deductible of 10,000 yuan, and this 10,000 yuan needs to be paid by ourselves; More than 10,000 yuan, the insurance company began to reimburse.
Then, within the acceptable range of the budget, the product with 0 deductible for hospitalization will greatly increase the experience and sense of use of insurance claims. I personally think the little increase in premiums is quite worth it, of course, it should be calculated according to the insurance age.
Medical insurance is a short-term insurance, and the contract is purchased for 1 year and covered for 1 year.
At present, the million-dollar medical insurance on the market, which has been renewed for 20 years, can protect us at the legal level, and the insurance company cannot leave us even after the illness claim.
It is equivalent to hugging the thigh of the insurance company for 20 years, and as for what will happen after 20 years, the medical insurance terms are temporarily unable to promise. What can be held in 20 years is still tightened.
Specific drugs, such as targeted drugs for malignant tumors, range from what you can imagine to what you can't imagine. Generally, it is purchased at an out-of-hospital pharmacy after a prescription from a doctor.
Once such drugs are used, it will be a huge expense, and it is very important that insurance can reimburse them.
If you want to get all the above 4 points, a single medical insurance product cannot be realized for the time being, and it needs to be completed through the combination of 2 products.
I roughly did the math :
22-year-old in good health, and at the same time score the above 4 points, you need 852 yuan. 30 years old, need 1146 yuan.
Reminder: The scope of medical treatment of million medical insurance is limited to the general department of public hospitals in mainland China (excluding the special needs department, international department, and VIP department), and it is limited to inpatient reimbursement, excluding general outpatient reimbursement.
If you want to expand the types of medical areas and hospitals, want a better medical environment and services, faster medical efficiency, and want other special medical protection other than inpatient and outpatient, you can consider mid-to-high-end medical insurance.
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