Million-dollar medical insurance is affordable for everyone. With its low price and million-dollar reimbursement amount, it has become the most popular insurance product in the past two years. Many friends follow the trend and buy insurance, but they don’t know what the million-dollar medical insurance is specifically for and what diseases it can reimburse. Today, let’s talk about what the million-dollar medical insurance is.
1. What is a million-dollar medical insurance and what is it used for?
Million-dollar medical insurance is a type of personal insurance that protects against the economic risks caused by illness. Simply put, if you are sick and hospitalized, the hospital is responsible for treating the illness, and the million-dollar medical insurance is responsible for paying the money (reimbursement).
The biggest advantage of million-dollar medical insurance is its high cost-effectiveness. Generally, the premium is only a few hundred yuan per year, but it can leverage 10,000 times and reimburse millions of medical expenses. It helps many families solve the problem of “expensive medical treatment and expensive medicine”.
The reimbursement scope of the million-dollar medical insurance is very wide. As long as the illness and hospitalization meet the agreed conditions, reasonable and necessary medical expenses such as diagnosis and treatment fees, surgery fees, imported drug fees, ICU wards, outpatient dialysis, etc. can generally be reimbursed. The key is that it can be 100% reimbursed, and we almost don’t have to pay out of pocket.
Million-dollar medical insurance is also a supplement to medical insurance. Medical insurance can only reimburse medical expenses within the scope of medical insurance; while million-dollar medical insurance is not limited to the scope of medical insurance, and it can cover all expenses that cannot be reimbursed by medical insurance.
2. What diseases can be covered by million-dollar medical insurance?
The million-dollar medical insurance provides coverage for: general hospitalization and serious illness hospitalization.
Generally, hospitalization medical expenses are not limited to any disease. During the coverage period, the hospitalization medical expenses incurred due to illness or accident, which exceed the deductible, can be reimbursed as agreed.
There is a list of diseases that are covered by the hospitalization insurance for serious diseases, and some products can cover hundreds of serious diseases. If the disease you suffer from is not on the list, you can also get reimbursed according to the general hospitalization insurance, but the reimbursement amount is not as high.
In addition, there are special outpatient clinics, outpatient and emergency departments before and after hospitalization, and outpatient surgery coverage. These coverages are basically required for every million-dollar medical insurance policy.
Conclusion
Million-dollar medical insurance is a must-have for everyone. It is cheap, with a million-dollar insured amount. You can buy it for one year and get it for one year. It is easy and stress-free. I strongly recommend everyone to buy it.
