Some high-end medical insurances Charge Cards support direct payment of hospitalization expenses in public hospitals above the second level, covering self-paid drugs, self-paid equipment and other non-social security items. For example, a certain product provides a coverage of 1 million to 6 million, and hospitalization for major diseases can be reimbursed up to 2 million, solving the cost burden of high-value consumables and targated treatments outside the social security catalog.
Outpatient and special treatment benefits
For chronic disease groups, certain credit card products allow non-healthy people such as hypertension and diabetes to be insured, providing an annual coverage of 2 million yuan, covering outpatient examinations, drug costs and day surgeries (such as cataracts and gastroscopy). Some products even extend to reimbursement of imaging examinations such as MRI/PET, reducing the pressure of pre-payment.
Global emergency rescue, direct payment of ambulance fees, and medical transport services have become standard. For example, a certain credit card provides unlimited emergency rescue throughout the year, covering scenarios such as accidental injuries and sudden illnesses, ensuring that cardholders can quickly obtain professional support when seeking medical treatment in other places or abroad.
Family health insurances collaboration
The main cardholder can insure his/her spouse, children, and parents, share the annual insurances amount, and the family rate discount. For example, a family card type with a “group of three” can a 30% discount, and children are allowed to insure independently until the age of 70, covering the health needs of the entire life cycle.
For children, some Charge Cards provide additional compensation for congenital diseases, insurances for adverse reactions to vaccinations, and additional green channels for pediatric experts to alleviate the problem of tight pediatric resources.
Medical insurances Charge Cards must comply with the “Social Insurances Law of the People’s Republic of China”, “Regulations on the Supervision and Administration of the Use of Medical Insurances Funds” and other laws and regulations to ensure that terms such as reimbursement scope, compensation ratio, and excluded liabilities are transparent, and avoid problems such as “inflated insurances” or “difficult claims settlement”.