If I buy a million medical insurance, what will I not be compensated?

Outpatient** is not compensated.

For general outpatient medical insurance, it is not compensated, such as cold, fever, headache, brain fever. The reimbursement of the Million Medical Insurance must be hospitalized under the advice of a doctor, and the hospitalization must be carried out in the hospital as agreed in the contract** in order to be reimbursed.

No compensation will be paid if the deductible is less than the deductible.

The reimbursement of million medical insurance must first remove the part reimbursed by medical insurance, and the out-of-pocket part can only be reimbursed if it exceeds the deductible. Therefore, if the deductible is not satisfied after medical insurance reimbursement, it cannot be reimbursed. You can supplement it by purchasing a small medical insurance policy after purchasing a million medical insurance.

Not necessarily 100% payout.

If there is social security for the million medical insurance, then the million medical insurance can be 100% reimbursed after the social security reimbursement. If there is no social security, the million medical insurance will generally only be reimbursed by 60%, and not all of them will be reimbursed by 100%.

If you do not tell the truth, you will not be compensated if you have concealed your medical history.

Some people may conceal their medical history or not tell the truth in order to apply for insurance, which will definitely not be compensated once discovered.

Sickness detected during the waiting period will not be compensated.

There is also a waiting period for Million Medical Insurance, and if a medical problem is detected during the waiting period, it will not be compensated. When applying for insurance, you must try to avoid going to the hospital for a physical examination during the waiting period, so as not to affect the claim.

Other cases where no compensation is made.

For example, pregnancy and childbirth, or complications caused by pregnancy and related expenses related to childbirth, million medical insurance is not covered. In addition, if it is a ** expense caused by alcoholism, or an accidental injury caused by drunk driving, the million medical insurance will not pay.

The above content is quoted from the article on the official website of Duobaoyu: How about millions of medical insurance.

People who do not meet the health notification requirements and do not meet the age requirement for coverage are not eligible to buy.

The details of the inability to purchase Million Medical Insurance are as follows:

1. Those who do not meet the requirements of health notification.

Health notification will definitely be required before taking out the Million Medical Insurance, and the insurance company will decide whether to underwrite it based on the health notice. If the insured person has an abnormality and does not meet the conditions for insurance, it is likely to be denied insurance by the insurance company. The health notice of million medical insurance is generally strict, and many products have restrictions on the three highs and nodules.

However, different products have different requirements, and if there is an abnormality in the body, you can try to buy a product with a relaxed health notice.

2. People who do not meet the age of coverage.

No matter what kind of insurance product it is, there will basically be an age limit, and if you exceed the coverage age range, you will not be able to apply for insurance. The same is true for million medical insurance, most of the millions of medical insurance on the market at present have an underwriting age of 28 days to 60 years old, and it is relatively rare to be over 65 years old. Although many products can be renewed up to the age of 99 and 100, the first application age is generally under 60.

Additional Information: If the contents of the Million Medical Insurance Exclusion clause occur, the insurance company will not pay the payment, as follows:

1. Failure to seek medical treatment in a designated hospital.

The scope of the hospital will be clearly specified in the insurance contract, which is generally a public hospital of the second level and above, of course, some private hospitals with medical insurance can also be reimbursed. If the insured person's illness** is not at the contracted hospital, the resulting medical expenses will not be reimbursed.

2. No liability for accidents during the waiting period.

The waiting period is set by the insurance company in order to observe whether the user is sick or not, and the waiting period for million medical insurance is generally 30 days, and the insurance company will not compensate if the insured incurs medical expenses due to illness hospitalization** during the waiting period. However, there is no waiting period for accidents, and the insurance company will pay compensation due to accidents during the waiting period.

3. The health notice is not truthful.

If the insured deliberately conceals his health status when applying for medical insurance, even if the insurance is successful, the insurance company will not compensate once it is found that the user has not complied with the principle of maximum good faith and does not meet the requirements of health notification.

4. **The cost does not exceed the deductible.

Million medical insurance usually sets up a deductible, generally 10,000 yuan, only the part of the ** cost higher than 10,000 yuan (the remaining expenses after social security settlement) can apply for reimbursement, for the part less than 10,000 yuan, million medical insurance does not reimburse.

5. No duplicate reimbursement is allowed.

Million medical insurance is a reimbursement product, if the medical expenses incurred by the insured's hospitalization** have been reimbursed with other million medical insurance, it cannot be reimbursed twice, even if multiple products are bought, it can only be reimbursed once. It is important to know that medical expense invoices can only be used for one reimbursement and cannot be reused. To sum up, the purchase of million medical insurance mainly needs to meet two requirements: health status and age range.

1.Not seeking medical attention at a designated hospital.

Million medical insurance generally stipulates the scope of hospitals, which are generally secondary and above public medical institutions (some private hospitals with million medical insurance can also be reimbursed).

If the insured person's illness** is not at the contracted hospital, the medical expenses incurred will not be reimbursed.

2.There is no liability for accidents during the waiting period.

The waiting period is set by the insurance company in order to observe whether the consumer is sick and insured, and the waiting period for the general million medical insurance is 30 days, and the insurance company will not compensate if the insured incurs medical expenses due to hospitalization due to illness during the waiting period**.

The insured needs to inform his or her health when applying for million-dollar medical insurance, and if the health condition is concealed when applying for insurance, even if the insurance is successful, the insurance company will not compensate for the insurance in the later stage.

4.**Expenses not exceeding the deductible.

Million medical insurance usually sets a deductible, generally 10,000 yuan, that is, only the part of the ** cost higher than 10,000 yuan (the remaining expenses after social security settlement) can apply for reimbursement, and the part less than 10,000 yuan, the million medical insurance will not be reimbursed.

5.Two Million Dollar medical insurance plans can only be reimbursed once.

If the medical expenses incurred by the insured person due to hospitalization** due to illness have been reimbursed by other million medical insurance, it can no longer be reimbursed by zero and one million medical insurance.

This is because expense invoices can only be used for one-time reimbursement and cannot be reused.

If any of the age, health, or occupation do not meet the insurance requirements, you cannot buy million medical insurance.

1. Age: In order to control the risk, millions of medical insurance products will limit the age of insurance, and it is generally difficult to buy millions of medical care over 60 years old.

2. Health: The health requirements are high, and the insurance company will make a decision on whether to underwrite according to the health status.

3. Occupation: The occupational requirements are generally 1-4 categories, and people who are engaged in high-risk occupations or participate in high-risk sports are usually not able to participate in millions of medical insurance.

1.Sickness insurance; 2.The waiting period is for insurance, and there will generally be a 30-day waiting period for million medical insurance; 3.

If the hospital fails to meet the requirements, the general million medical insurance requires the hospital to be a public hospital of the second level or above, and there will be slight differences between different products; 4.Before applying for reimbursement of Million Medical Insurance, the social security part will be reimbursed first, and the remaining part can be 100% reimbursed by Million Medical Insurance.