Ping An Fu 2015 insurance heart stent insurance is considered a serious illness

The stent is a mild critical illness, which pays 20% of the critical illness sum assured, and the bridge is a critical illness.

If we have purchased Chinese Life Insurance's critical illness insurance, then we can file a claim with the relevant insurance company for the installation of a heart stent. Because the surgery of heart stent is also a type of critical illness insurance, we can make claims to the relevant company through the insurance product. We also have to check the circumstances under which we can make a claim according to the provisions in the contract?

Then we can file a claim with the relevant insurance company in accordance with this regulation. <>

Before we install the heart stent, if we have purchased certain medical insurance or critical illness insurance, we can compensate the relevant insurance company, and we can be compensated for the expenses we spend in the hospital. When we buy these insurance products, we should choose to buy them on a legal and formal platform, so that we can buy more secure insurance products. <>

If we want to judge whether a matter can be claimed by the insurance company, we must have a detailed understanding and analysis of the various cautionary clauses and coverage in the contract when signing the contract, so that we can carry out better operations in the process after the fact. We should communicate and communicate more with the other party's insurance customer service staff, so that we can fully understand the insurance products we have purchased. <>

Regardless of whether the insurance product we purchase is critical illness insurance or medical insurance products, when we have some diseases, we can choose to appeal to the relevant insurance company for claims, and we must also provide certain diagnosis certificates, as well as our personal details. Then the insurance company will review according to these materials, and after the review is passed, the insurance company will compensate us for the corresponding expenses. These insurance products can protect our lives to a certain extent and make our lives better.

Because there will be some types of insurance in the critical illness insurance, you need to consult according to the insurance regulations you have signed, you can consult the business personnel, or you can take a look at the insurance you have signed, and you will generally give a claim.

This one is uncertain. Because you must read the content of the contract when you buy, and you must see the scope of the claim clearly.

Yes, at this time, it will be excluded according to the amount of insurance you have purchased before, and then it will also be excluded according to the expenses you spend when you see a doctor, and the general compensation amount is about 70%.

Summary. Hello dear, it is a pleasure to serve you <>

Purchased Chinese life insurance serious illness insurance, the installation of heart stent will be claimed. Insurance company critical illness insurance heart stent surgery can be claimed, generally speaking, if the heart stent surgery is coronary intervention, critical illness insurance can be claimed as a mild illness, if because of serious heart disease, myocardial infarction resulting in the need for heart stent surgery, then it can be claimed as a critical illness.

If I have purchased the critical illness insurance of Chinese Life Insurance, will I be compensated for the installation of a heart stent?

Hello dear, it is a pleasure to serve you <>

Purchased Chinese life insurance serious illness insurance, the installation of heart stent will be claimed. Insurance company critical illness insurance heart stent surgery can be claimed, generally speaking, if the heart stent surgery is coronary intervention, critical illness insurance can be claimed as a mild illness, if because of serious heart disease, myocardial infarction resulting in the need for heart stent surgery, then it can be claimed as a critical illness.

How much of the specific block can be reimbursed by putting a stent on 100th?

Kiss, yes

For example, if you block 75-85/100, will you be reimbursed for putting a bracket? This is not considered serious illness medical treatment.

Dear, domestic drug stents belong to the material cost, which is generally included in the reimbursement scope of medical insurance at 50%, and reimbursed by 85% and 90% according to the provisions of medical insurance

Dear, heart stents are not considered a major disease

Hello! I can understand your feelings, and each company has a counter in the local area, and you can go there for consultation. At the same time, you are also looking at the insurance terms, generally if they are in a reasonable insurance clause, they will not refuse to pay. Insurance is a contract and is protected by law.

Hello, I don't know which insurance product of Chinese Life you are buying? There are also local insurance industry associations, you can also go there for consultation. Hope you can get a reply soon.

Hello, it is true that heart stents do not fall under the category of critical illness, so they are not covered. When you purchased your hospitalization insurance, did you tell you about the stent surgery? If it has been informed and the insurance company underwrites normally, then it is necessary to contact the insurance company to get a more reasonable explanation; On the other hand, if you are not informed that the stent surgery was discovered by the insurance company later, then it is understandable that you will not be reimbursed.

As an insurance salesman in Tianjin, I am concerned about your experience, maybe some companies have more claims or less cracks, but I always think that the insurance company will not refuse to pay for no reason, maybe when you were on the insurance, you did not read the terms clearly, or the salesman did not explain it to you clearly, no matter what, you should not be in a hurry first, let's solve things, the new insurance law in 10-1 after the introduction, more and more beneficial to the policyholder, you can find the company to coordinate, if you need help, We can help you communicate.

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

Summary. Hello dear, Ping An's e-life insurance is a million-dollar medical insurance, reimbursement is not limited to the scope of social insurance, imported drugs, self-financed drugs, surgery fees, ** fees, examination fees, ambulance use fees, etc. can be 100% reimbursed. The heart stent is a surgical implantable device, although it is not covered by medical insurance, but Ping An e-life insurance can be reimbursed, and the actual reimbursement has a deductible of 10,000 yuan.

It is understood that Ping An's e-life insurance is insured from 28 days to 60 years old, and the insurance period is 1 year, and it will not refuse to re-apply for insurance due to historical claims and changes in personal health conditions.

Hello dear, Ping An's e-life insurance is a million-dollar medical insurance, reimbursement is not limited to the scope of social insurance, imported drugs, self-financed drugs, hail blindness fees, ** fees, examination fees, ambulance air usage fees, etc. can be 100% reimbursed. The heart stent is a surgical implantable device, although it is not covered by medical insurance, but Ping An e-life insurance can be reimbursed, and the actual reimbursement has a deductible of 10,000 yuan. It is understood that Ping An's e-life insurance is insured from 28 days old to 60 years old, and the insurance period is 1 year.

Ping An Insurance heart stent can be reimbursed.

Cardiac stent surgery for coronary heart disease is generally not included in the scope of the 13 major diseases of Ping An Insurance Company.

Ping An Insurance's 30 types of critical illness benefits:

From the perspective of the whole body, there are 28 categories of men and 30 categories of women: from head to toe.

Head: stroke, deep coma, benign brain tumor, Japanese encephalitis, severe head injury;

Face: blindness, loss of speech function, deafness;

Cardiac: acute myocardial infarction, primary pulmonary hypertension, primary cardiomyopathy, coronary artery bypass grafting, aortic surgery, heart valve replacement;

Internal organs: end-stage of chronic renal failure (uremia), end-stage liver disease, acute hemorrhagic necrosis, fatal pancreatitis, acute severe hepatitis;

Organs: malignant tumors, erosive molar pregnancy, vital organ transplantation;

System: systemic lupus erythematosus, multiple sclerosis, type I diabetes mellitus, aplastic anemia, Parkinson's disease, amyotrophic (spinal) lateral sclerosis.

It is not within the scope of the thirteen major diseases.

Generally, it is not included in serious illnesses.

The specific depends on the insurance contract, which is stated in the contract.

In order to facilitate consumers to compare and choose critical illness insurance products, protect the rights and interests of consumers, combine the development of critical illness insurance in China and the progress of modern medicine, and learn from international experience, the Insurance Association of China and the Chinese Medical Doctor Association jointly formulated the disease definition of critical illness insurance (hereinafter referred to as the "disease definition").

Principle of use: The insurance company will name the product as critical illness insurance, which must include malignant tumors, acute myocardial infarction, sequelae of stroke, coronary artery bypass grafting (or coronary artery bypass grafting), major organ transplantation or hematopoietic stem cell transplantation, end-stage renal disease (or chronic renal failure uremia stage); In addition to these six diseases, insurance companies can choose to use other diseases within the scope of this standard; At the same time, the above-mentioned diseases shall use the disease names and disease definitions of this specification.

Definition: Coronary artery bypass grafting (or coronary artery bypass grafting) refers to the actual operation of coronary artery bypass grafting with thoracotomy for severe coronary heart disease. Coronary artery stenting, cardiac catheterization balloon dilation, laser radiofrequency technology and other non-thoracotomy interventional procedures and laparoscopic surgeries are not covered.

It can be seen that the diseases that fall within the scope of critical illness protection can be claimed for critical illness insurance benefits. Diseases that do not meet the criteria for critical illness claims can be reimbursed by taking out hospitalization medical expense insurance.

The state stipulates that the medical insurance for serious illnesses can be used for secondary reimbursement.

Heart bypass surgery is considered a critical illness only if it is a thoracotomy surgery, and if it is only a minimally invasive surgery bypass, some insurance companies can claim compensation as a minor illness. The insurance company named the product as critical illness insurance, and the insurance period is mainly for the adult stage.

The scope of diseases covered by the product shall include malignant tumors, acute myocardial infarction, sequelae of stroke, coronary artery bypass grafting, major organ transplantation or hematopoietic stem cell transplantation, end-stage renal disease (or chronic renal failure uremia stage);

In addition to these six diseases, insurance companies can choose to use other diseases within the scope of this standard; At the same time, the above-mentioned diseases shall use the disease names and disease definitions of this specification.

If you have purchased critical illness insurance, as long as the diagnosed disease is in line with the insurance terms, you can get a one-time payment from the insurance company, on the one hand, you do not need to pay the medical expenses in advance after the illness, and more importantly, it reduces the burden of personal medical expenses.

A critical illness insurance of 200,000 yuan, as long as the critical illness is diagnosed after suffering, the claim will be made according to the insured amount of 200,000 yuan, rather than according to the insurance premium paid. If the annual premium is 5,000 yuan, and you suffer from a critical illness for the first time in the second year and get a claim of 200,000 yuan, then this 10,000 yuan is the most digital embodiment of the so-called protection.

Cardiac stents are one of the mild coronary intervention (non-thoracotomy) in critical illness, and the specific conditions for cardiac stent claims vary from one company to another, some of them only put a stent to settle the claim, and some also stipulate the percentage of vascular blockage.

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If you don't have a thoracotomy, I'm afraid you generally don't meet the conditions for critical illness claims.

However, mild and critical illnesses can often be claimed.

Check to see if your policy has the corresponding clauses.

It belongs to the category of critical illness and can be reimbursed, but the premise is to buy critical illness insurance, and this disease belongs to the scope of claims!

Heart stents are mild and critical diseases, I don't know if you have this item in your contract.

Coronary angiography showing 70% single occlusion or 50% double occlusion is required, and coronary intervention is considered reasonable and necessary by the specialist as a minor illness recognized by some insurance contracts (robotic arm, laparoscope, forceps are minimally invasive non-thoracotomy surgeries), howeverPing An Fu does not protect coronary intervention, but only heart bypass (critical illness, thoracotomy surgery).

If you suspect that you need to install a bracket, it is best to take your insurance contract to the hospital and have the doctor prescribe a diagnosis.

If you buy Ping An Fu, you will lose it.

It is not a serious illness, but a mild illness.