Should such insurance be reimbursed? Emergency SOS 10

Is he a student, if so, he can be reimbursed for the social medical insurance he said first, of course, the expense documents should be copied first, and then take the materials and copies of the expense documents for his reimbursement at the social medical insurance office to the insurance company of his school for reimbursement, of course, he should report to the insurance company as soon as possible after the accident.

What the teacher said was not right.

Within the sum insured, first of all, you can pay in social insurance, and then issue a claim split sheet to settle commercial insurance claims.

In general areas, it can be handled in the following ways: first report to the insured commercial insurance company. Then you will be hospitalized with your social medical insurance card, and the hospital will handle the social insurance claim on your behalf.

At the time of discharge, the receipt of medical expenses issued by the hospital clearly states the following data: total expenses, expenses paid by social medical insurance, and expenses borne by individuals. If you provide a medical expense and other documents to the commercial insurance company, the commercial insurance company will pay you within the limit of the expenses borne by the individual.

Hello, your friend can only report one, because he is insured by medical insurance, according to the principle of loss compensation of insurance, you can only pay within the scope of your loss, if you report both, then there is a duplicate claim. However, if the sum insured in the first policy is less than your loss, the second insurance policy can make a supplementary payment.

One of your classmates you mentioned bought three insurances, and all three of them can be reported, and it may be that his other two insurances belong to the hospitalization subsidy category, such as staying in the hospital for one day, and the compensation is 80 or how much, which has nothing to do with medical expenses.

Social security does not reimburse accidental injuries.

Accident insurance reimbursement as long as a copy of the invoice you can contact the school leader.

Who said that copies can't work. If not, then take the list after the social security report is completed.

Hospitalization medical insurance is specifically for reimbursement of inpatient medical expenses.

Peace of mind hospitalization 10,000 yuan insurance.

Guoshou children's hospitalization 10,000 yuan care.

Taikang Hospitalized Treasure.

Zhong'an 10,000 yuan guarantee.

Ping An 1+1 Hospitalization Insurance 2018

Allianz Hospital.

The above products stipulate that the hospitals are all secondary and above public hospitals.

As is customary, let's start with the conclusion:

The insurance coverage is not limited to inside and outside the social insurance: Zhong'an Wanbao and Allianz Hospital. However, there are some slight differences between the two paragraphs, Zhong'an 100% reimbursement after 100,000 yuan of social security, and 60% without social security; 90% reimbursement after Allianz hospitalization is covered by social security, and 80% is not covered by social security.

Others only cover out-of-pocket drugs that are covered by or outside social insurance.

If you do not have social insurance, it is recommended to consider Ping An 1+1 Hospitalization Insurance, Allianz Hospitalization Treasure and Taikang Hospitalization Insurance. Ping An 1+1 hospitalization insurance does not have social security, and only needs to increase the fee by 15%-20%, which can be reimbursed 100% within the social insurance; Allianz Hospitalization and Taikang Hospitalization can also be reimbursed 80% without social security.

The renewal conditions are better: Allianz HospitalCare has the best renewal conditions: the insurance rules will not be adjusted separately due to changes in the individual's health status or historical claims.

To be honest, due to the relatively high risk rate of small medical insurance, the health notice is even stricter than that of the million medical insurance, and the renewal conditions are also stricter. The renewal of several other products in the evaluation needs to be reviewed!

If you are older, you can consider Zhong'an Wanbao, Allianz Hospital, and Taikang Hospital, the maximum age of insurance is 65 years old, of which Zhong'an Wanbao can be renewed up to 80 years old.

There is insurance that reimburses you for hospitalization, and this kind of insurance is collectively referred to as ordinaryHospitalization medical insurance

The sum insured of general hospitalization medical insurance is generally not high, and the premium is relatively low, which is very suitable for minor illness reimbursement.

Let's talk to you about the advantages and disadvantages of hospitalization medical insurance and the products of hospitalization medical insurance.

1.The threshold for claims is low

The deductible is usually very low, generally about 200 yuan, and the inpatient medical expenses can be reimbursed if they reach the threshold of more than 200 yuan.

2.A certain percentage can also be reimbursed without social security

General hospitalization medical insurance, even if you do not participate in social insurance, can reimburse 60% of medical expenses; There are even some products that are reimbursable both inside and outside social security.

3.The scope of protection is relatively wide

Hospitalization expenses due to common illnesses such as allergies, fever and flu are also covered.

1.Low sum insured

Generally, the insured amount of hospitalization medical insurance is less than 50,000 yuan, but if you unfortunately suffer from a critical illness, the medical expenses are usually hundreds of thousands, and this insurance amount is far from enough.

2.Not easy to renew

Due to the low threshold for claims and the high rate of claims by insurance companies, if this continues, it will not be able to operate normally.

Therefore, a good hospitalization medical insurance often faces the risk of discontinuation, and even if the protection conditions are re-launched after the revision, there will be certain modifications, and this modification is usually not conducive to insurance.

3.It may affect the later replacement

Most product health advisories will ask about previous denials, extensions, surcharges, or conditions of coverage by the insurance company.

1. Zhong'an 10,000 yuan guaranteewithAllianz Hospital. The advantage is in the coverageNo social security restrictions

However, there are some slight differences between the two paragraphs, Zhong'an 100% reimbursement after 100,000 yuan of social security, and 60% without social security;

90% reimbursement after Allianz hospitalization is covered by social security, and 80% is not covered by social security.

2. If it is the ultimate pursuit**Friends, there is no doubt about it, no360 LearningHospitalization medical insurance is very suitable for people who have minor illnesses but no major illnesses, and this kind of hospitalization medical insurance generally has the above shortcomings, which can only protect some minor problems and cannot play a big role in the face of major illnesses. Daddy suggested that it is better to configure millions of medical insurance if you can, and the evaluation of millions of medical insurance products is attached: ".In-depth evaluation of million medical insurance:

How to choose a high-sum insured medical insurance?

Hope the above information can help you!

If you don't have this kind of insurance, if you do, it also means that you need to pay a lot of premiums to get such protection.

With the least amount of money to leverage millions of dollars of protection, millions of medical care may be able to meet your needs How much do smart people spend on insurance? Buy it this way, and easily leverage the million guarantee".

Medicare must be hospitalized to be reimbursed.

Fixed-point purchase of drugs can also be reimbursed, and social medical insurance reimbursement is reimbursed after discharge or transfer.

Before the 10th of each month, the designated medical institutions shall report the cost statement, hospitalization statement and relevant information of the discharged patients in the previous month to the medical insurance agency, and the medical insurance agency shall review and use it as the basis for monthly pre-allocation and year-end accounts; The medical insurance agency pre-allocates the overall expenses of the previous month's inpatient and special disease outpatient clinics** every month.

Insured persons who have been identified as suffering from special diseases shall go to a designated medical institution designated by the labor and social security department to seek medical treatment and purchase medicines, and the medical expenses incurred shall be directly billed and settled immediately.

Turn left|Turn right.

Extended Materials. According to the Ministry of Human Resources and Social Security, due to the different levels of economic development in various cities, which has led to different medical consumption levels and medical insurance policies, for example, the three major medical catalogs (drug catalog, diagnosis and treatment catalog, medical service facilities) are inconsistent, and the payment ratio and hospitalization reimbursement ratio of medical insurance accounts are also different. This makes the review of medical insurance reimbursement in different places more cumbersome.

At present, the insured persons in China who seek medical treatment in other places are mainly long-term travelers and retired employees living with their children. When they seek medical treatment in other places, they need to issue a referral certificate at the designated hospital of the local medical insurance, and the patient will pay the medical expenses in advance, and then return to the local medical insurance department for reimbursement with the bills; If there is a remote audit agency and personnel in the city, it must be signed by the auditor before reimbursement.

It is understood that medical insurance institutions in many regions of the country have medical insurance institutions or personnel in major cities such as Beijing, Shanghai, and Guangzhou. This co-organizing mechanism has also been affirmed and promoted by the labor and social security departments.

Summary. The requirements of general medical insurance for hospitals are public hospitals of the second level and above, and the specific situation is subject to the terms of the insurance.

Does this insurance usually reimburse you for medical treatment?

Hello, I received your question, it is being sorted out, and I will reply to you as soon as possible, please wait!

The insurance company needs to settle the claim within 30 days. Article 23 of the Insurance Law stipulates that after receiving a request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall make an assessment in a timely manner; If the circumstances are complicated, the approval shall be made within 30 days, except if otherwise agreed in the contract.

Claims are made according to the terms of the insurance, how much should be paid, the insurance company will not lose a penny, you can rest assured, I hope I can help you. If you are satisfied with my service, please give 5 stars.

Is there any hospital?

The requirements of general medical insurance for hospitals are public hospitals of the second level and above, and the specific situation is subject to the terms of the insurance.

How much does it cost a month.

The specific premium is calculated based on the age of the insured and the payment of medical and social insurance, and the insurance company has a rate schedule.

How much is it, generally more than a hundred a month.

The specific premium is calculated based on the age of the insured and the payment of medical and social insurance.

How is it insured?

Do you pay it every month or all at once for a year?

It's up to you to choose, the insurance company pays monthly by default, and you can also choose to pay annually.

If you are insured in **, do you fill in the information online?

Yes, you can simply fill in your identity information and open the insurance.

It is not so much that it is easy for domestic insurance companies to pay money and difficult to reimburse, but that many domestic insurance customers are fooled by the mouths of salesmen to buy insurance products that are not suitable for them at all.

Any insurance product has its own customer group and compensation clauses, and these things must be read clearly when purchasing. At present, in accordance with the provisions of the Insurance Law, when the policyholder applies for insurance, the insurance company must list all the terms in writing, as an attachment to the insurance contract, otherwise the corresponding terms are invalid, before purchasing commercial insurance, it is recommended to read the terms carefully, especially the claim terms, such as which refusals, which procedures, etc. However, it is a pity that a large number of domestic insurance business personnel are not professional themselves.

In countries with mature insurance industry, insurance business personnel are professional insurance brokers, they need to hold a certificate to work, responsible for the products they sell, they will recommend suitable products within the scope of user needs, unlike many domestic salesmen, training a month on the shelf, regardless of whether it is suitable for customer needs, will only consider how much commission and promote expensive products, the so-called only sell expensive not sell right, such as critical illness insurance, insurance itself has high requirements for the insured, Most of them require that the insurance is a standard body (meet the conditions of imitation physical examination, no genetic history, etc.), but some salesmen will even instigate the policyholder and the insurance investigator to tell lies in order to sell insurance, and the result is that the money is spent, but because of the past medical history, there are a lot of problems when the claim is settled (the Insurance Law clearly stipulates that if the customer deliberately conceals the facts to deceive the insurer, the insurer can terminate the contract and not refund the premium).

In addition, there are many procedures required for insurance claims, but these can be checked on the official websites of each insurance company. The insurance company is not a charity, all claims must be justified, take accident insurance as an example, if it is a general injury, when making a claim, it is necessary to provide the identity information of the insured, bank card information, hospital medical records and diagnostic reports, original invoices, if the accident is serious, the insurance company will also come to investigate. It's not that the insurance company doesn't want to pay, it's not that the insurance company wants to blame a few people who obviously don't meet the conditions for insurance claims but use some illegal means to try to defraud the insurance money, so when the insurance claims are settled, the user is treated as a villain first, and then investigated, and then paid after verification, which is the procedure for any insurance company to settle claims, especially for large claims, so at home and abroad.

It is easy to pay for domestic insurance and difficult to reimburse, and it is indeed a variety of good things to say when paying money. But when I arrived at the reimbursement, I wanted this and that procedure, which was particularly troublesome. Well, they are also profitable, so if you don't praise and stop the possibility, you will report any of them, it must be more strict.

If a lot of them are not just not wild and ask for procedures, uh, if they reimburse him, they will also lose a lot.

Why is it easy to pay for insurance in China? All kinds of procedures are troublesome, just don't want you to reimburse, it may be that the insurance company you bought is not a good company, if the regular company is reimbursed quickly.

It's not that it's easy to pay for domestic destruction insurance, because the amount of money paid is fixed, and you only need to deduct the bank card, and you must give them the basis for reimbursement.

Now that the regulation of Acorn Chop is very strict, this phenomenon should become less and less. Besides, you can't just say that all domestic insurance companies are like this just because this happens to an insurance company.

It is recommended that you go to the "China Banking and Insurance News" supervised by the Zhongliangchang China Banking and Insurance Regulatory Commission to check the ranking of claims data in the insurance industry over the years.

Why is it easy to pay for domestic insurance, and it is difficult for Wang Zisheng to reimburse? The empty procedures of each relatives are troublesome to the dead, but I don't want you to reimburse, I think this may be the reason why people are more lazy, and they take off each other and pull each other.