Is there any reimbursement for accidental emergencies, and what do you need?

Xueba says insurance, focusing on insurance evaluation! Which Taiping Life Critical Illness Insurance is worth buying? Just compare that"Comparison Table of 136 Popular Critical Illness Insurances in China".

Although we do not advocate choosing an insurance company first and then choosing an insurance product, in the final analysis, most of them will still be affected by the subjective factor of the insurance company when buying insurance. In order to answer this kind of question more intuitively and efficiently, I lined up domestic insurance companies from many factors such as the business stability of the insurance company, the fist products, and the market familiarityJust updated: In 2020, the top 10 insurance companies are ranked up-to-date

Taiping Life has many products on sale, among which Fulu Whole Life Critical Illness Insurance is the latest launch of Taiping Life, today we will take a look at how cost-effective this product is.

Let's first take a look at the newly launched Fulu, compared with the previous critical illness insurance, has upgraded anything:

There are still advantages of this product, mainly these points:

Covers critical illness, moderate illness, mild illness, and the insured is exempted, providing more comprehensive protection;

The insurance company underwritten is Taiping Life, which has a high brand awareness and many branches.

The advantages are just the above points, but there are also many disadvantages, such as the lack of additional coverage for critical illness, and the protection is low; The price is higher, a 30-year-old man buys 500,000 yuan of insurance, pays it for 20 years, and pays 15,550 yuan a year, and the working family stops. In addition to these two points, in fact, there are many "dark pits" in the clauses, due to the limited space, directly look at the complete evaluation and analysis"How is Taiping Insurance, is it reliable".

It is recommended to read this article before buying to avoid falling into the pit.

OK. No accident should be an additional insurance of the main insurance, there is medical liability for accidental injury, you can go to the secondary and above hospitals for treatment, the scope of reimbursement is limited to social security (that is, self-financed drugs do not care) accident The product should be limited to 10,000 and 20,000 two grades, but no matter how you look at it, it should be enough for you.

Generally speaking, reimbursement requires outpatient and emergency medical records + original invoices, and it is best to write the accident caused by the outpatient clinic.

Summary. Taiping Medical does not report outpatient expenses, and special outpatient expenses, outpatient surgeries, and pre- and post-hospitalization outpatient and emergency expenses, which are common in millions of medical insurance, cannot be reimbursed. The benefits are hospital medical insurance benefits and hospital allowances.

Taiping Medical does not have to pay for outpatient limb consultation, and the special outpatient, outpatient surgery, and pre- and post-hospitalization emergency expenses that are common in the million-dollar medical rush celebration insurance cannot be reimbursed. The benefits are hospital medical insurance and hospital allowance.

There is no limit to social security for hospitalization medical expenses, and the remaining expenses after social security reimbursement are 100% reimbursed, and the reimbursement ratio is 80% without social security reimbursement. Hospitalization allowance is paid according to the day of attack, hospitalization for the same reason, the maximum payment is 90 days, and the highest payment is 200 days a year.

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As an insurance product, the specific reimbursement scope and standard of China Taiping Medical Carefree Insurance may vary depending on the insurance terms and policies of the insurance company. In general, Taiping Medical Insurance is a type of hospitalization medical insurance, which mainly covers hospitalization** expenses caused by accidents or sudden illnesses.

If you are hospitalized due to illness and need to apply for reimbursement from China Taiping Medical Insurance, you will usually need to provide invoices and documents related to hospitalization** issued by the hospital, which need to meet the standards required by the insurance company. Then, the insurance company will review your reimbursement materials according to the terms and regulations of the insurance, and pay the lead according to the reimbursement ratio agreed in the insurance contract.

Specifically, if you need to be hospitalized due to illness or accident** during the coverage period of the Taiping Medical Insurance, and you meet the terms and conditions of the insurance policy, then the Taiping Medical Insurance can make a corresponding insurance claim for you. However, the specific reimbursement ratio and reimbursement amount also need to refer to the specific insurance contract and the policy regulations of the insurance company, and it is recommended that you carefully read the relevant insurance terms and regulations to understand your rights and interests and reimbursement policies.