If I have to have surgery for a patent foramen ovale, can I apply for an exemption from the premium

It depends on whether there is this exemption function in your contract clauses, so take a closer look at the contract clauses yourself.

Summary. Hello, commercial insurance is reimbursable.

The cost of patent foramen ovale surgery can be reimbursed by commercial insurance. For example, if you have purchased medical insurance, or million medical insurance, then the cost of this surgery can be reimbursed, but not in full, but according to the proportion of 80%, and the rest needs to be paid by yourself.

If the foramen ovale is patented, can commercial insurance reimburse the cost of the operation?

Hello, commercial insurance is reimbursable. The cost of patent foramen ovale surgery can be reimbursed by commercial insurance. For example, if you buy medical insurance, or million medical insurance, then the cost of this kind of hand-held surgery can be reimbursed, but it is not fully reimbursed, but reimbursed according to the proportion of 80%, and the rest needs to be paid by yourself.

In addition, Huimin Insurance can also be reimbursed, but Huimin Insurance needs to be reimbursed by more than 20,000 yuan at his own expense after the medical insurance is reimbursed by the medical insurance deficiency faction.

Summary. Patent foramen ovale is a congenital disease, which will naturally close during growth and development, and if it does not close, it is a congenital disease.

If the foramen ovale is patented, can commercial insurance reimburse the cost of the operation?

Hello, dear, patent foramen ovale, the cost of surgery cannot be reimbursed by commercial insurance.

Why. Patent foramen ovale is a congenital disease, which will naturally close during growth and development, and if it does not close, it is a congenital disease.

All commercial insurance is exempt from liability for congenital diseases, which can be found in the terms of the insurance contract.

Illness is not defined by the insurance company, but comes from the hospital. The insurance company only lists the relevant illness in the terms of the insurance contract.

Just like the coronavirus, the name of this disease is not defined by the insurance company, but by the medical practitioner, and the corresponding belief covers the characteristics of the disease, the clinical characteristics. According to the characteristics of the disease, the insurance company will interpret the corresponding disease and the related disease type, and list it into the coverage of the insurance contract.

The cost of the operation is not reported.

You can report the hospitalization fee.

Ha who is not reimbursed.

I bought it with peace of mind hospitalization.

Expenses related to congenital diseases are not reimbursed, dear.

Why. Expenses related to congenital diseases are not reimbursed, dear.

The teacher also wants to help you, but the disease is defined by the hospital, and the terms of the contract are exempt from liability for congenital diseases.

There is no way to reimburse congenital diseases, as well as the costs associated with congenital diseases.

You're a bot, no.

Teacher has been in the insurance industry for 8 years.

Patent foramen ovale is a congenital condition.

The newborn closes normally before the age of one.

You must be truthful about your hospitalization insurance at the time.

If a patent foramen ovale can be detected when the newborn is hospitalized, it is necessary to inform the truth when applying for insurance.

You can contact the official customer service of the insurance company and the service ** person to confirm the truthful notice of the insurance of patent foramen ovale, as well as the claim conditions.

Patent foramen ovale is a type of congenital heart disease that closes completely at the age of 4 months. If there is no closure for more than 4 months, this situation is at risk of congenital diseases, and it is necessary to truthfully inform the patent opropora ovolumen when purchasing commercial medical insurance and critical illness insurance such as hospitalization medical insurance. For congenital diseases such as patent foramen ovale, the insurance company will postpone the underwriting and refuse to underwrite it.

However, if the company fails to fulfill its obligation to truthfully inform, it is a violation of the provisions of the Insurance Law, and the insurance company has the right to terminate the insurance contract without refunding the insurance premium. At the same time, the simple limb clause of the contract is exempt from liability for congenital diseases, and the patent foramen ovale is indeed not in line with the reasonable compensation conditions of the world).

Summary. Dear, Hello, I am glad to answer for you: The cost of patent foramen ovale surgery can be reimbursed by insurance.

If your health insurance company offers reimbursement for patent foramen ovale surgery, you may be able to apply for reimbursement from that insurance company. Generally speaking, you may need to provide a list of medical expenses, medical records, pathology reports and other relevant supporting documents issued by the doctor for reimbursement after review by the insurance company.

Hello. Are you there.

Dear, Hello, I am glad to answer for you: The cost of patent foramen ovale surgery can be reimbursed by insurance. If your health insurance company offers reimbursement for patent foramen ovale surgery, you may be able to apply for reimbursement from that insurance company.

Generally speaking, you may need to provide relevant supporting documents such as a list of medical expenses, medical records, and pathology reports issued by the doctor, so that the insurance company can review and reimburse you.

Dear, which insurance company did you buy?

Taikang, the insurance company said that this is a congenital heart disease and does not give reimbursement Ma Hui, but buying insurance means that only the expenses of more than 10,000 yuan can be reimbursed if they are hospitalized, and now they can't be reimbursed.

Dear, when you bought the insurance at that time, did the salesman ask you about your condition or tell you which diseases cannot be reimbursed?

There is no legal basis for the insurance company to refuse compensation on the grounds that "patent foramen ovale is a congenital disease", and the insurance premium should be paid according to the insurance policy.

No, I just told Yin Kipi that if I was hospitalized for more than 10,000 yuan, I could be reimbursed, and I had bought the insurance for three years, and I consulted the insurance staff a few days before I was hospitalized in the striker and told me that it could be reimbursed, and how should I be reimbursed.

Dear, if so, I suggest you take the legal route to resolve the issue. You can negotiate with the insurance company to come up with the terms of refusal of insurance, if there is no legal basis for refusal of insurance, this is a violation of the law, and you can sue.

Taikang staff did not explain the situation to the insured before selling the insurance, which is a dereliction of duty for them, and they feel cheated, which can be used as the basis for asking for a high-level claim.

Dear, yes. Do you still have your policy?

It's all there, I just let the bumper talk about it, and the refusal to pay is like a congenital malformation, and there is no explanation of the patent foramen ovale, and I didn't know that I had this disease before buying insurance, and the staff didn't consult and explain.

Dear, yes, patent foramen ovale is not congenital heart disease, and you can sue for it.

Dear, you can protect your legitimate interests through legal channels.