What are the requirements for medical advance payment and how to apply for it?

The premise of medical advance payment needs to be in the hospital specified in the insurance contract**, and then submit an application to the insurance company according to the process, and the insurance company will make the medical advance payment after verification.

Medical advance payment is a value-added service of Million Medical Insurance, so when we choose Million Medical Insurance, we focus on the content of protection and value-added services. What are the benefits of different value-added services for us? Let's take a look at this article "Medical value-added services of medical insurance, which ones are more practical for us?"

1. How to apply for hospitalization advance.

There are generally three ways to apply:

Then follow the customer service guidance or page prompts to submit the advance payment application.

2. Advance payment claim process.

Step 3: Confirm the advance amount and entrust the advance payment.

Step 4: The insurance company advances.

Step 5: Discharge Claim.

3. Advance the materials required for the claim application.

Daddy compared the terms of hospitalization advance payment of several products and summarized the approximate common application materials:

ID card, original bank card, admission notice, payment list, disease examination report, outpatient and emergency inpatient medical records.

4. Precautions.

1) Report the case in a timely manner.

Some products will state in the terms and conditions that advance payment will only be provided if the insured person is diagnosed or promptly report the accident.

2) Advance payment does not include outpatient and emergency expenses.

The scope of responsibility for general hospitalization advance payment is the advance payment of hospitalization deposit, and the expenses incurred in the early outpatient and emergency department are not included.

3) Deductibles and over-limit expenses will be paid in advance.

Some products will require medical expenses that are not 0 deposit, and the insured must pay the hospital the deductible and excess limit agreed in the contract in advance.

Million medical insurance is a reimbursement type of medical insurance, and you generally need to pay the medical expenses in advance first, and then find the insurance company for claim reimbursement. However, if you suffer from a serious illness, the cost is very high, and it is difficult for many families with ordinary economic conditions to pay a large amount of hospitalization fees and high expenses in the first time, which may delay the best time.

The emergence of advance-type million-dollar medical insurance solves such a big problem. At present, there are also many millions of medical treatments with advance payment function on the market, which are favored by consumers. Today, we will introduce to you the advance payment function of Million Medical.

What is the advance payment function of Million Medical?

How do I apply for the advance payment function?

Is it still necessary to buy critical illness insurance after buying an advance payment type for millions of medical treatment?

1. What is the function of millions of medical insurance advances?

The advance payment function means that after the occurrence of the insured event, the insured applies to the insurance company for advance payment, and the insurance company will advance the hospitalization deposit or hospitalization medical expenses and other expenses by the insurance company or its cooperative third-party organization according to the needs of the insured according to the needs of the insured. After discharge, you will still need to go through the claim application process. The amount of out-of-pocket expenses and reimbursement is subject to the final claim conclusion.

To put it simply, you can borrow money from the insurance company without interest.

The purpose of the advance payment function is to avoid the delay of the best time in an emergency, when the average family cannot make up the high ** expenses in a short period of time.

In addition to RV loans, medical loans are actually just needed. If you are unfortunate enough to get sick and need to pay a large amount of medical expenses, most ordinary families are tight or unable to afford it, so they either take money in advance or borrow money from relatives and friends. With the function of advance payment of hospitalization expenses, for necessary and reasonable expenses, after passing the review of the insurance company, you can apply for advance payment.

2. How to apply for the advance payment function?

If the purchased insurance product provides hospitalization advance payment service, then you only need to call the insurance company's customer service** after hospitalization, apply to the insurance company, and submit the relevant advance payment information. The insurance company reviews the advance payment qualification of the insured, and can apply as long as the review is passed.

Below, we take Fosun United Lexiang Lifetime 5-year Million Medical Insurance as an example to talk about how to apply for hospitalization advance.

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As can be seen from the above table, the main conditions for applying for hospitalization advance payment for Joyful Life are as follows:

1.Inpatient medical expenses must be above the deductible, that is, more than 10,000 yuan.

2.The hospital to be treated must meet the requirements (domestic secondary and above public medical institutions).

3.It needs to be within the validity of the policy, not within the waiting period.

Whether you want to enjoy a lifetime or apply for other million-dollar medical hospitalization advances, you need to pay attention to these things:

First of all, the expenses that need to be paid in advance should be above the deductible, and outpatient expenses and expenses less than the deductible are not allowed; Secondly, the hospital must meet the requirements of the insurance regulations; Finally, it is within the limited period of the policy, not the waiting period. It must be noted here that an application for advance payment should be made as soon as possible after hospitalization, and if it is not submitted in time or is about to be discharged, it is usually not approved. At the same time, only hospitalization can apply for advance payment.

Legal analysis: It is necessary to provide a traffic police advance payment certificate, a medical certificate, and go to the insurance company's lobby to do a twilight.

Legal basis: Article 23 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability Article 23 The compulsory insurance of motor vehicle traffic accident liability shall implement a unified liability limit within the whole country. Liability limits are divided into death and disability compensation limits, medical expense compensation limits, property damage compensation limits, and compensation limits for the insured who is not liable in road traffic accidents.

The liability limit of compulsory insurance for motor vehicle traffic accident liability shall be prescribed by the insurance regulatory authority in conjunction with the public security department, the health department, and the agricultural department.

Where the following conditions are met at the same time, the victim's rescue expenses may be paid in advance.

1. The report meets the requirements of Article 22 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability;

2. Received a notice from the traffic management department of the public security organ requesting advance;

3. The victim must be rescued, and the rescue expenses have been incurred, and the rescue hospital has provided the rescue expense documents and detailed items;

4. It does not belong to the rescue expenses that should be paid in advance by the road traffic accident social assistance**.

1. The insurance company's advance payment standard.

1. In accordance with the guidelines for the clinical diagnosis and treatment of wounds for traffic accident personnel and the standards of the national medical insurance of the rescue place, the rescue expenses shall be paid in advance within the compensation limit of medical expenses of compulsory traffic insurance or the compensation limit of medical expenses without liability.

2. If the number of people rescued is more than one person and is treated in different hospitals, it shall be shared equally according to the number of people within the compensation limit for medical expenses or the compensation limit for medical expenses without liability; It can also be adjusted within the limit according to the opinions of the hospital and the traffic police.

2. Is the insurance company exempt from liability for driving without a license?

In practice, there are two opinions on whether the insurance company can be exempted from liability for driving without a license.

The first opinion: the insurance company should bear the liability within the limit of the compulsory traffic insurance. According to the regulations, because the insurance company is exempt from liability for property damage due to unlicensed driving, there is no clear provision for the exemption of personal injury, so the insurance company shall bear the liability for compensation within the limit of the compulsory traffic insurance;

The second opinion: the insurance company is not liable for compensation for driving without a license. According to Article 22 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability, if the driver is not qualified to drive or is drunk, the insurance company shall pay the rescue expenses within the limit of the compulsory insurance liability for motor vehicle traffic accident liability, and has the right to recover from the victim, so there is no need to compensate for the disability compensation and lost work expenses.

We agree with the second opinion. According to Article 22 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability and Article 9 of the Compulsory Liability for Motor Vehicle Traffic Accidents, if the driver is not qualified to drive or is drunk, the insurance company shall pay the rescue expenses within the limit of the compulsory insurance liability of motor vehicle traffic accident liability, and has the right to recover compensation from the victim, and Article 42 of the Regulations on Compulsory Insurance of Motor Vehicle Traffic Accident Liability.

Legal analysis: According to the regulations, if the insurance company needs to pay or advance the rescue expenses for the rescue of the injured person, the insurance company shall pay or advance the rescue expenses to the medical institution in a timely manner after receiving the notice from the traffic management department of the public security organ. If the rescue of the injured person needs to be paid in advance by the rescue management agency, the rescue management agency shall promptly pay the rescue expenses to the medical institution after receiving the notice from the traffic management department of the public security organ.

Legal basis: Article 8 of the "Compulsory Insurance Clause for Motor Vehicle Traffic Accident Liability" In the territory of the People's Republic of China (excluding Hong Kong, Macao and Taiwan), if the insured suffers a traffic accident in the course of using the insured motor vehicle, resulting in personal or property losses to the victim, the insured shall be liable for compensation for the damage that shall be borne by the insured in accordance with the law, and the insurer shall be responsible for compensation within the following compensation limits for each accident in accordance with the provisions of the compulsory traffic insurance contract: (1) The compensation limit for death and disability is 180,000 yuan; (2) The compensation limit for medical expenses is 18,000 yuan; (3) The limit of compensation for property damage is 2,000 yuan; (4) When the insured is not liable, the compensation limit for death and disability without liability is 18,000 yuan; The compensation limit for non-liability medical expenses is 1,800 yuan; The limit of compensation for non-liability property damage is 100 yuan.

Under the limit of compensation for death and disability and the limit of compensation for death and disability without liability, it is responsible for compensation for funeral expenses, death compensation, transportation expenses, transportation expenses incurred by the victim's relatives for funeral matters, disability compensation, disability assistive devices, nursing expenses, reinstatement expenses, transportation expenses, living expenses, accommodation expenses, and lost work expenses for dependents, and solatium for mental damages borne by the insured in accordance with court judgments or mediation.

Under the compensation limit for medical expenses and the compensation limit for non-liability medical expenses, it is responsible for compensating medical expenses, diagnosis and treatment expenses, hospitalization expenses, inpatient meal subsidies, necessary and reasonable follow-up expenses, cosmetic surgery expenses, and nutrition expenses.