Maybe you could suggest a few that may work for people?
Posted above. April, Foyer, Globality, Bupa, Cigna, Allianz. But always check the terms and conditions.
That's for outpatient medicine.
Exactly. Like I said, there are illnesses where you just take a pill every day and you're fine. But the pills are $50k a month (or a similar very high amount). No pills, you die.
Sure, you probably won't get that. But I get insurance for unlikely events that would be catastrophic. You don't get insurance for events that are likely and wouldn't be a big deal if they happened.
Or what about outpatient cancer treatment? I guess chemotherapy is often done as outpatient treatment - you get the treatment, then you go home to rest. I doubt that $50k would cover that.
Or you have a stroke and need to learn everything from scratch, eating, walking, everything. The stroke has been treated, you had surgery, but will all the followup treatment be covered?
And I know next to nothing about this stuff - talk to an experienced insurance broker and they'll tell you about the true costs. As a layman, $1M may sound like a lot, but things can get expensive really fast.
Also, I would strongly advise you to read the actual terms and conditions once you're considering a plan. The table of benefits is worthless marketing fluff.
