Medical insurance is a social insurance system established to compensate people for economic losses caused by disease risks. The medical insurance fund is established through individual contributions, and the medical insurance institutions will give certain economic compensation to the insured after the medical expenses incurred by medical treatment.

Second, the significance of children's medical insurance

The physical resistance and immunity of underage children are not as good as that of adults, so the risk rate of daily diseases will increase, and children's self-protection awareness is not strong, curiosity is heavy, and stumbling is inevitable. Under normal circumstances, the medical expenses for treating children are not low, and medical insurance can be used, which can greatly reduce expenses and save a large part of expenses. What kind of medical insurance are there? Which is worth buying? Look at the hottest 10 insurance of insurance companies this year: what are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020

Third, the characteristics of high-end medical insurance.

1, "direct insurance compensation", when the insured carries out medical treatment, the insurance company directly bears the medical expenses, and the insured does not need to pay in advance. This has played a huge role in the treatment of serious diseases, costing hundreds of thousands. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

2. "You can choose more hospitals and service outlets". Medical insurance usually requires medical units, such as secondary hospitals or designated hospitals. But high-end medical insurance is different. Not limited to hospitals, private hospitals can even compensate directly with foreign hospitals. When you can receive more advanced treatment, even if you choose a foreign hospital, don't worry about the cost.

3. "The scope of protection is wider". High-end medical insurance is not limited to surgical treatment, physical examination, dental treatment, vaccination and so on. And most products are free of compensation. I just sorted out the relevant contents about buying insurance for physical examination, hoping to help you: Do you need a physical examination before buying insurance?

4. "Value-added services". High-end medical insurance often provides additional value-added services, such as drug distribution, medical information consultation and emergency rescue. Pay attention to which services are free and which services can be paid when purchasing.

5. "Providing follow-up services", high-end medical insurance generally has a limit on the number of days for private care claims, such as up to 30 days a year, and the more days, the better. After discharge, all high-end medical insurance will provide follow-up, rehabilitation, psychological consultation, on-site private care and even hospice care.

Fourth, the necessity of buying high-end medical insurance for children.

It is necessary to buy a high-end medical insurance for children when economic conditions permit. Has the following advantages:

1, you can see a doctor quickly. Ordinary medical insurance needs to be reimbursed by a doctor in a designated hospital, but high-end medical insurance can see a doctor anytime and anywhere, so that children can get treatment at the first time.

2. Be more careful with children. The experience of high-end medical insurance here is super good. There will be no waiting in line for 5 hours and seeing a doctor for 3 minutes. Doctors will have in-depth communication with patients' families, and patiently communicate with parents about the causes and daily care.

3. The medical conditions are better. There are not only excellent domestic doctors for you to choose from, but also excellent foreign conditions waiting for you. Advanced equipment and technology are available.

Of course, there are so many high-end medical insurance benefits and the price is expensive. The specific choice should be combined with its own economic strength.