According to the data released by Taikang Life Insurance in 2023 claims, medical insurance accounted for more than 90% of Taikang Life's 1.34 million claims in 2023, highlighting the important supplementary role of commercial medical insurance in the social security system.
If you have medical insurance, why do you need to buy commercial medical insurance?
Health is the core issue of people's livelihood. Faced with the reality of high medical costs, more and more people will take out additional commercial medical insurance to supplement the lack of social insurance.
The importance of commercial medical insurance is not limited to the following: supplementing social medical insurance, especially to make up for the lack of medical expenses for serious illnesses, so that the medical insurance coverage is more comprehensive; The out-of-pocket part of the medical expenses is handed over to the insurance company to bear, transfer the risk, and alleviate the family economic pressure caused by **; Filling the health care gap for people who are not covered by social health insurance; Compared with social insurance, commercial medical insurance can get more compensation for medical expenses.
Therefore, the allocation of commercial medical insurance has become the choice of more and more people. In recent years, commercial medical insurance, represented by "million medical insurance", has become the main force in the commercial medical insurance market. Consumers can get up to millions of dollars of protection by paying premiums of around $100 to $1,000 per year. If the insured unfortunately goes to the hospital due to an accident or falls ill after the waiting period, and incurs medical expenses in accordance with the contract, the insurance company will pay the insurance benefits according to the agreed compensation ratio after deducting the agreed deductible. At the same time, consumers can also choose to cooperate with small medical insurance, which can also be covered for expenses below the deductible. In short, the configuration of commercial medical insurance can greatly alleviate the pressure of medical costs. To deal with the unknown risk of illness, it is important to have a well-protected medical insurance plan.
The best financing plan for high-quality medical services
High-quality medical resources are very scarce, and with the help of purchasing high-end medical insurance, using insurance to build a bridge to high-quality medical care has become the choice of many families and individuals.
Relying on the core advantages of Taikang's combination of medical insurance and medical and elderly care integration, Taikang pioneered the industry's 10-year guaranteed renewal, and the product system has changed from a single-point breakthrough in products, services and networks to an integrated solution of "product + network + service", realizing important innovation in health closed-loop, and customizing one-stop health management and medical service solutions for high-net-worth individuals. There are three main features of the product.
Solve the problems of large medical funds and occupation of customers. The "Health Appointment" product has comprehensive and flexible coverage responsibilities, with a basic insurance amount of up to 6 million yuan to 8 million yuan for large medical treatment. Coupled with Taikang's self-built direct payment medical network, customers can enjoy more abundant and stable medical resources while also enjoying a convenient direct payment experience.
Integrate the world's top medical resources to build a medical service network. At present, there are about 110,000 medical institutions around the world, and medical institutions are distributed in more than 150 countries around the world. There are more than 200 high-quality public special needs national medical institutions, more than 400 private hospitals, and more than 300 high-end dental institutions. The project-based medical service network covers more than 1,000 tertiary hospitals, covering the authoritative medical resources of the top 100 hospitals in China (Fudan version).
Health is recognized by the industry.
Equipped with exclusive family doctors, critical illness medical case managers, etc., with exclusive services and exclusive management, through health active management, convenient diagnosis of minor diseases, and special case care for major diseases, we can fully meet the health needs of the whole health cycle, and provide customers with health consultation, health promotion, health examination, chronic disease management, disease prevention and medical services.
As the third pillar of medical and health protection, commercial medical insurance is expected to become the mainstream of health financing and payment in the future. Taikang Life accurately grasps this development trend, promotes the high-end medical insurance represented by "Health Appointment" to continuously enrich the insurance product system, and depicts the innovative practice of life insurance companies in the blueprint of the new life insurance business.