How to reimburse the child s hospitalization insurance, and how to reimburse the hospitalization of

That's not a calculation. If it is the first time for a child to buy school insurance, there will be a waiting period of about 30-60 days, and the hospitalization of illness during the waiting period will not be reported. There is no waiting period for accidental hospitalization, and you should look carefully at the certificate of insurance.

If it is a disease, you will need to reimburse NCMS and urban residents before going to the insurance company for reimbursement. If it is an accident, after the NCMS and urban residents are reimbursed first, and then the third party will pay compensation, for example, so-and-so was hit and spent 20,000, for example, the basic medical insurance was reimbursed 15,000, and the third party paid 5,000, then the insurance company will not reimburse. If the basic medical insurance is reported 15,000, the third party pays 3,000, and only 2,000 can be reported by the insurance company, and the starting line must be reduced, which will not affect the payment of the hospitalization day allowance.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

If you refer to Xueping Insurance, the full name of Xueping Insurance is "Ping An Insurance for Primary and Secondary School Students", which is a kind of personal accident insurance and an insurance for the characteristics of primary and secondary school students. Students are often voluntarily insured when they enter the school, and the insured only needs to pay a premium of a few tens of yuan to obtain a number of protections including accidental injury, accidental injury medical treatment and hospitalization medical treatment. It is the most extensive and common insurance for children and teenagers.

Its biggest feature is that the premium is cheap and the coverage is relatively wide, which is more suitable for underage students. Each insurance company generally has its own insurance terms, and the terms of each company will have some differences in terms of insurance liability, insurance amount, compensation, etc.

Xueping insurance is reimbursed proportionally according to the actual medical expenses paid, and the reimbursement ratio is different for different diseases and equipment, which needs to be calculated according to the actual situation according to the insurance rules, and the specific insurance contract shall prevail.

Learn to be safe. The hospitalization reimbursement process is as follows:

1. Reimbursement process:

1) Parents report the crime. When a child has an accident, parents should report the accident to the insurance company as soon as possible;

2) Prepare the materials. Parents need to prepare the claim materials (original insurance policy, hospitalization summary, original invoice for medical expenses, list of expenses, etc.);

3) Submission of materials. Submit the claim materials required by the insurance company to the insurance company;

4) Wait for review. The insurance company will review the materials and the real situation in the fastest time and wide infiltration room;

5) Receipt of compensation. After the review is approved, the parent will receive the claim payment.

2. The reimbursement ratio, there are various types of Xueping insurance on the market, so the reimbursement ratio of different Xueping insurance products is also different. View the policy wording in detail. The general reimbursement rate for hospitalization is 70%-80%.

The explanation of how much can be reimbursed for hospitalization by Xueping Insurance is as follows:

The reimbursement ratio of hospitalization of Xueping Insurance is: 55% reimbursement for 1,000 yuan and below; 1000 yuan - 4000 yuan, according to the proportion of 60%; 4,000-7,000 yuan will be reimbursed according to 70%; 7,000 yuan - 10,000 yuan will be reimbursed according to the proportion of 80%; 10,000 yuan - 30,000 yuan, 90% of the compensation; If the amount is more than 30,000 yuan, 95% will be paid. All drugs in Class A will be reimbursed, and 80% will be reimbursed in Class B.

1. The information required for outpatient claims includes: medical records, outpatient invoices, examination reports, drug prescription lists, copies of guardians' accounts and ID cards, copies of student accounts, and bank account numbers;

2. The materials required for hospitalization claims are: a complete set of medical records for hospitalization, including discharge records, disease diagnosis, a detailed list of hospitalization expenses, hospitalization invoices, copies of guardians' accounts and ID cards, copies of student accounts, and parents' bank account numbers.

3. The materials required for the death claim are: cremation certificate, if it is a burial, the local village committee will issue a certificate, a death certificate, a certificate of cancellation of the party's household registration, a copy of the ID card of both parents and a copy of the household registration book, a copy of the child's household registration book, a copy of the household registration of the head of the household, if the child and the parents are not in the same household registration book, the police station or the village committee or neighborhood committee need to issue written materials to prove the kinship between the child and the parents, and the parents need to provide a silver dan slag bank account number.

If the child is sick and hospitalized, how to reimburse the school insurance.

Hello dear! The hospitalization of children can generally be reimbursed in the following ways:1

After the insured has an insured accident, it is necessary to notify the insurance company in time and report the case; 2.According to the requirements of the insurance company, the reimbursement materials are generally required, such as the insured's ID card, bank card, outpatient medical record, outpatient invoice, disease diagnosis, total invoice for hospitalization expenses, general list of hospitalization expenses, medical insurance statement, discharge record, accident certificate, etc.; 3.Submit the reimbursement information to the insurance company, and the review is purely slippery, and the reimbursement can be made.

It should be noted that Xueping Insurance is an accident insurance, which can mainly insure accidental medical treatment, and only some Xueping Insurance has hospitalization medical insurance, and only Xueping Insurance with Pants Rush Hospitalization Medical Insurance can reimburse the inpatient medical expenses incurred by the insured due to illness. The reimbursement scope, deductible, and reimbursement ratio of different student insurance are different, and the specific provisions of the insurance contract shall prevail.

The reimbursement process is as follows:

1. Report to the insurance company as soon as possible after the occurrence of an insured accident.

2. Prepare claim information, such as insurance policies.

Insured person's ID card.

or household register, medical certificate, discharge summary.

Original receipts for medical expenses, itemized bills of expenses, etc.

3. Submit the prepared claim materials to the insurance company and wait for the insurance company to review it.

4. Agree with the audit results of the insurance company and receive the insurance money. There is usually a certain deductible for student insurance.

It ranges from 50 yuan to 400 yuan, that is, if the child does not spend more than the deductible after the insured accident, he cannot apply for reimbursement. For example, the deductible of the school insurance is 400 yuan, and the child spends only 300 yuan after the insurance accident, so the 300 yuan can only be borne by the parents, and the insurance company is not responsible for the responsibility of paying the insurance money.

Extended information] 1. The full name of Xueping Insurance is Ping An Insurance for Primary and Secondary School Students, which belongs to personal accident insurance.

It is also a kind of group insurance, which is often voluntarily insured by students when they enter school, and the school collects the insurance premium on behalf of the student, which is the simplest, cheapest and most common insurance. Parents only need to pay a premium of a few tens of yuan, and their children can get a number of protections including accidental injury, accidental injury medical treatment and hospitalization.

2. Coverage of Xuezhiqing Insurance:

1) Death benefit. If the insured dies due to an accident or illness, the insurance company shall pay the insurance benefit according to the agreed insurance amount. In the unfortunate event that the insured dies in an accident, the insurance company needs to pay 10,000 yuan.

2) Accidental Disability Benefit. If the insured suffers an accident and becomes disabled within 180 days from the date of the accident, the insurance company shall pay the insurance benefit according to the proportion specified in the contract multiplied by the agreed insurance amount.

3) Medical insurance for accidental injuries. The medical benefits for accidental injuries vary from insurance company to insurance company, and the main insurance company may provide daily medical subsidies according to the terms of its own insurance product, but it will not exceed a maximum limit.

4) Inpatient medical insurance. During the insurance period, if the insured suffers from an accidental injury for the first time, the insurer shall pay the insurance benefit according to the graded and progressive ratio agreed by both parties at the time of insurance application. Inpatient Medical Expenses:

Reasonable and necessary expenses incurred by the insured person for each hospitalization in accordance with the regulations. Critical illness.

Outpatient Medical Expenses: Expenses incurred by the insured due to some critical illnesses can be reimbursed.

Summary. Hello dear, the reimbursement process of Xueping Insurance is as follows: 1. After the occurrence of an insurance accident, report to the insurance company as soon as possible; 2. Prepare claim information, such as insurance policy, ID card or household registration book of the insured, medical certificate, discharge summary, original receipt of medical expenses, detailed list of expenses, etc.; 3. Submit the prepared claim information to the insurance company and wait for the insurance company to review; 4. Agree with the audit results of the insurance company and receive the insurance money.

Finally, I would like to remind you that there is usually a certain deductible for student insurance, ranging from 50 yuan to 400 yuan, that is, if the child does not spend more than the deductible after the insurance accident, it is not possible to apply for reimbursement. For example, the deductible of Xueping insurance is 400 yuan, and the child spends only 300 yuan after the insurance accident, so the 300 yuan can only be borne by the parents, and the insurance company is not responsible for the responsibility of paying the insurance money.

Hello dear, the reimbursement process of Xueping insurance is as follows: 1. After the occurrence of insurance reputation, report to the insurance company as soon as possible; 2. Prepare claim information, such as insurance policy, ID card or household registration book of the insured, medical certificate, discharge summary, original receipt of medical expenses, detailed list of expenses, etc.; 3. Submit the prepared claim information to the insurance company and wait for the insurance company to review; 4. Agree with the audit results of the insurance company and receive the insurance money. Finally, I would like to remind you that there is usually a certain deductible for Xueping insurance, ranging from 50 yuan to 400 yuan, that is to say, if the child does not spend more than the deductible after the insurance accident, it is not possible to apply for reimbursement.

For example, the deductible of Xueping insurance is 400 yuan, and the child spends only 300 yuan after the insurance accident, so the 300 yuan can only be borne by the parents, and the insurance company is not responsible for the responsibility of paying the insurance money.

The scope and amount of reimbursement for Xueping insurance are reimbursed at 90% after social security settlement, and Li Duanfeng has not talked about social security settlement, and is reimbursed at 80%, and there is a deductible of 100 yuan. Hospitalization medical treatment is also limited to reimbursement within the scope of social security, and will be reimbursed at 90% after social security settlement, and will be reimbursed according to a certain proportion without social security settlement, and there is a deductible of 300 yuan.