I ve heard that there is a kind of commercial supplementary insurance that can be fully reimbursed f

1. Can be reimbursed, the specific amount depends on the commercial insurance.

Contractual Provisions. If the hospital does not directly reimburse the expenses within the scope of medical insurance, you can first find the hospital to issue a payment voucher for reimbursement, and if the hospital does not have the qualification, you can go to the insured medical insurance institution for reimbursement with relevant information. Don't rush to the commercial insurance reimbursement to see if there is anything that meets the scope of medical insurance reimbursement, and if there is, go to the medical insurance reimbursement first, and submit the remaining bills and documents to the insurance company for reimbursement.

2. Handling materials: medical records.

Inspection and laboratory reports; Discharge summary.

Proof of discharge; a breakdown of expenses; Formal bills of the financial supervision seal; Health insurance card.

When the insured person is discharged from the hospital, the insured person's hospitalization self-payment and self-responsibility part and the overall ** reimbursement amount shall be settled by the hospital and the district medical insurance center.

3. Social security medical insurance, the social security paid after hospitalization has two parts of the medical insurance, and the one paid by yourself will be returned to your own card, and the reimbursement is the national social security reimbursement, that is, the reimbursement after seeing a doctor is the national medical insurance, which does not affect the payment of expenses, and the return on your own card can be used to pay the remaining 20%, and the general reimbursement will not be 80%. Medical insurance generally refers to basic medical insurance.

It is a social insurance system established to compensate workers for economic losses caused by the risk of illness. Through the employer and individual payment, the establishment of medical insurance**, after the insured person is sick and incurs medical expenses, the medical insurance institution will give him a certain amount of economic compensation.

The establishment and implementation of the basic medical insurance system gathers the economic strength of the unit and the members of the society, coupled with the first funding, which can enable the sick members of the society to obtain the necessary material help from the society, reduce the burden of medical expenses, and prevent the sick members of the society from "becoming poor due to illness".

4. Buy 1 health insurance with commercial insurance, and choose the one regardless of critical illness.

The type of insurance that can reimburse medical expenses for ordinary hospitalization and accidental injury can be purchased according to your needs and ability to pay. But there may be some differences in different places, and it is best to go to the local medical insurance center **** diagnosis and treatment items to take a look.

It is not all the reimbursement as you said, there are many commercial insurance, in addition to medical insurance reimbursement, the rest can be re-reported, but some drugs are not included in the reimbursement, if you want to invest in insurance, or consider large insurance companies, such as Ping An of China and Chinese Life.

There are many types of this kind of insurance, and it is recommended that you go to a large insurance company to handle it.

1. What is commercial supplemental medical insurance?

Commercial supplementary medical insurance is relative to basic medical insurance, the insurer according to their own wishes, and the insurance company to sign a contract on medical insurance, is a supplement to basic medical insurance, generally this kind of insurance products can be divided into two categories, one is individual medical insurance, one is group medical insurance. Commercial supplementary medical insurance is a kind of insurance signed between consumers and insurers according to their different medical needs. This type of insurance product can expand the protection content, meet the personalized medical protection needs of different consumer groups, and improve people's ability to resist risks.

In addition to basic medical insurance, some people also hope to get a higher level of medical expense subsidies, as well as some health-related services and protection, so with the improvement of living standards, more and more people have begun to pay attention to commercial supplementary medical insurance.

2. Reimbursement scope of commercial supplementary medical insurance.

Generally speaking, the scope of commercial supplementary medical insurance is as follows, the first is to subsidize medical insurance premiums. After the consumer is reimbursed by the medical insurance at the time of discharge, the remaining part of the medical expenses needs to be deducted from a certain deductible agreed in the contract, and then can be reimbursed according to different proportions. The second is the high supplementary medical insurance premium, the part of the consumer that has not been reimbursed by the medical insurance when he is discharged from the hospital, and the actual expenditure exceeds the maximum limit of the large medical expense subsidy, then this part can be reimbursed according to the proportion of 90%.

In addition, there are many parts that cannot be paid by the commercial supplementary medical insurance pants chain, such as outpatient clinics, emergency departments, out-of-hospital consultations, and the use of some self-paid facilities. Commercial supplementary medical insurance is mainly reimbursed for the remaining part after the settlement of social security reimbursement.

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Supplementary medical and commercial insurance can be reimbursed at the same time, but there are certain restrictions, such as:

1.Supplementary medical care and reimbursement insurance can be reimbursed at the same time, but cannot be reimbursed repeatedly. For example, commercial medical insurance can be reimbursed at the same time as supplementary medical treatment, but the insured person first uses supplementary medical care to reimburse the relevant medical expenses, and then uses commercial medical insurance to reimburse the medical expenses reimbursed by supplementary medical care, and can only reimburse the medical expenses that have not been reimbursed by supplementary medical treatment, and vice versa.

In addition, accidental medical reimbursement and supplementary medical treatment in accident insurance can also be reimbursed at the same time, but cannot be reimbursed repeatedly;

2.Supplementary medical and fixed payment insurance can be paid at the same time, but only if the insured event occurs in the insured person can meet the claim coverage of both. For example, critical illness insurance and supplementary medical care can be reimbursed.

If the insured suffers from a malignant tumor, he or she can also apply for critical illness insurance to make a claim after supplementary medical reimbursement of relevant medical expenses.

Nowadays, most employees will purchase a commercial supplementary medical insurance on the basis of their existing social insurance in order to protect their health more comprehensively. In this way, when the employee incurs hospitalization medical expenses, after the medical insurance reimburses part of the medical expenses, he can also enjoy the second reimbursement. So, what is the reimbursement scope of commercial supplementary medical insurance?

Not all medical expenses can be reimbursed, but only within the scope of commercial supplementary medical insurance. The details are as follows:

1. Subsidize medical insurance.

At the time of discharge, after the remaining part of the hospital's medical insurance reimbursement settlement, when the first reimbursement is made during the contract period, a deductible of 200 yuan needs to be deducted, and the reimbursement can be made according to the proportion of 60%. Among them, the self-paid medical expenses shall not exceed 10% of the total expenses, and the maximum payment limit is 22,000 yuan, and all self-paid items will not be reimbursed.

2. High supplementary medical insurance premiums.

At the time of discharge, the remaining part of the hospital medical insurance reimbursement settlement can be reimbursed according to the proportion of 90% (except for self-paid expenses) for the part of the Nian Yanhuai that actually pays more than 10,000 yuan in the social medical insurance that exceeds the maximum payment limit of the large medical expense subsidy.

In addition, in addition to the above, there are some parts that cannot be paid for the scope of commercial medical insurance reimbursement that need to be understood, mainly including outpatient, emergency, and out-of-hospital consultation expenses; Fees for the use of facilities at your own expense; Medical expenses arising from maternity and work-related injuries; Excess bed fees, excess temperature adjustment fees, escort fees, and medical waste disposal fees; The cost of medication and diagnosis and treatment items corresponding to hospitalization for non-current diseases, and the cost of medication for discharge, etc.

To sum up, the reimbursement of commercial supplementary medical insurance needs to be reimbursed for the remaining part of the cost after the reimbursement settlement of social medical insurance. Among them, the reimbursement scope of commercial medical insurance includes subsidized medical insurance and high supplementary medical insurance.

Individual policy inquiries can be made through the insurance company's counter inquiry, by calling the insurance company's customer service**, through the insurance company's official WeChat, through the insurance company's official WeChat, through the insurance company's exclusive APP. Specifically:

1. Insurance company counter inquiry

The policyholder can bring his ID card to the counter of the insurance company to inquire, find a nearby business outlet, and inform the staff that he needs to inquire about the personal policy, and after the information is successfully checked, the staff will inform the relevant information of the policy.

You can call the customer service of the underwriting insurance company**, and after checking the policy information, you can inquire about the insurance under your name through the self-service voice, or transfer to a human agent for inquiry, and you can query the relevant information of the individual policy after checking the information.

Step 2: Go to the Member Center.

Click "My" in the menu bar at the bottom to enter the member center;

Step 3: Go to "My Insurance".

In the Member Center, log in to authenticate and enter My Insurance;

Step 4: Policy Enquiry.

Find the insurance you have insured, click on the e-policy, and you can find the relevant information.

4. Find an insurance agent to inquire

You can contact the insurance salesman to assist in querying the insurance policy information, and the general salesman can directly query the corresponding policy through their own business development system, and you can find the relevant information of the electronic policy.

Insurance companies now have exclusive apps, which can be used to inquire about policies through their related apps, such as insurance for Chinese Life, which can be queried through the Chinese Life Insurance app, and the operation process is as follows:

Step 2: Click on "Policy".

After logging in successfully, click "Policy" on the bottom menu bar;

Step 3: Policy Enquiry.

Click on the active policy, enter the page, and find Lushen to the individual policy you need to query.

Individuals have bought insurance, query policies, whether it is life insurance or property insurance, through the above methods can basically be found, especially in the Internet era, companies have a quick function to provide policy inquiry services through WeChat or APP.

The above steps are operating in the operating environment:

Phone model: Xiaomi 12

System version: MIUI 13