Or the question of whether the fake skull is claimed! Please help me answer it again!

In fact, this problem is very clear to deal with. In fact, the skull to be replaced is indeed within the scope of insurance claims.

I've taken on a lot of this kind of case. I don't know which insurance company you're insured.

Actually, I know that this skull is certainly not cheap, but the more expensive it is, the higher the difference. You should know that too. If this thing is originally owned by the hospital, then it must be a necessary expense.

But it's all about buying from the outside. There is not much of a statute in this regard. Generally paging common sense.

In fact, this problem is the question of whether the insurance company recognizes it or not, some insurance companies are very generous, and some are stingy.

Now you have to do, first: discuss with the claims adjuster, communicate, and see if there is a solution.

Second, try to negotiate with the hospital to include the skull in the hospital's ** material fee.

You take the invoice to the claims adjuster, see what they say, and then negotiate.

Let me give you a case I have taken on before: the client hit an 8-year-old child at high speed, and the child's left leg was sawed. The traffic police ruled 5,5 responsible.

Among them, in the operation of the child's hospital, the parents also buy the prosthesis for the child outside, because the trial is for a lifetime, and it has to be replaced every two or three years, and the cost is hundreds of thousands. But we still admit it and put it into the claim. (At that time, we didn't want to admit it, because there were many prosthetic limbs, and he chose the most expensive one, but his relatives were officials in the procuratorate, and he would sue if he didn't pay compensation.)

In fact, the insurance company is very afraid of the defendant, and it has lost 9 times out of 10. In addition due to the fact that it is 5,5 responsibility. So I still agreed)

Whether reimbursement can be made depends on the following two aspects:1If the invoice for the purchase of a fake skull is a medical invoice issued by the hospital you are visiting (i.e. it contains the financial stamp and the hospital's fee stamp), the first step is no problem 2

Whether the material of the fake skull you use belongs to the scope of medical insurance reimbursement, usually, the Beijing medical insurance policy is 30% of the material cost of the material cost, that is, the material cost you spend will be deducted 30% of the material cost and then pay you compensation according to the proportion agreed in the contract.

In this case, the insurance company should not pay the claim.

I have also observed this problem for a long time, buddy to show you a clear way, you this situation the invoice is the hospital to help the insurance company to reimburse you The insurance company is impossible to report to you, if you don't report to you, you will find the salesman who gave you insurance to negotiate with you or communicate with their leaders, in case it doesn't work, you will sue, the general court judgment is biased towards the disadvantaged groups, let the hospital give you a certificate that this skull is used by the insured, what are the specifics of what you ask your lawyer, you understand what I mean! If you sue, you have an 80% chance of winning, so remember to hire a professional lawyer! ~~