How long does it take for insurance reimbursement to come down What documents are required for insur

Generally, different commercial medical insurance claims need to prepare different materials. Reimbursement of commercial outpatient medical insurance: original receipts for medical expenses (with details of outpatient medical charges); Original medical manuals, checklists, prescriptions, laboratory test sheets, etc.; A copy of the insured's identification.

Documents required for insurance reimbursement.

Reimbursement of commercial hospitalization medical insurance: a copy of the identity certificate of the insured; Original receipts for medical expenses and original details of inpatient medical charges; Original medical manuals, prescriptions, examination sheets, laboratory test sheets, etc.; A copy of the medical record is stamped with the hospital seal (the original ID card of the injured person needs to be copied to the medical department of the hospital); Discharge summary (provided and stamped by the hospital); If there is social security reimbursement, the social security claim split form shall be provided.

How long does it take for insurance reimbursement to come down?

Small fees will be faster for underwriting insurers in terms of time; However, for example, some very high medical costs or complicated conditions need to be reviewed by multiple departments before they can be passed, so the process of time claim settlement will be longer. However, according to past statistics, the approximate time will be given within 2 weeks to pay compensation or reply, so consumers do not need to worry too much.

According to the new Insurance Law, "after receiving the request for compensation or payment of insurance money from the insured or beneficiary, the insurer shall make an assessment in a timely manner; Where the circumstances are complicated, an approval shall be made within 30 days, unless otherwise agreed in the contract. Accordingly, even if the insurance case is "complicated", the insurance company must make a decision within 30 days and notify the customer in writing of the outcome.

The policies of each company are different, so the regulations are different.

The amount of time it takes for the insurance company to reimburse depends on the amount of the claim.

Generally speaking, if there is car damage, no one is injured, and there is no clear primary and secondary responsibility for the accident and the amount of damage is less than 2,000 yuan, the quick compensation center can handle it within one day. If the amount of damage is high or the primary and secondary liability for the accident is unclear, the compensation time may change, and generally speaking, the insurance company will accept and settle the claim as soon as possible.

After the vehicle is reported to be in danger, the insurance company will determine the scene investigation or drive the car directly to the repair shop according to the circumstances of the case. The loss of the vehicle must be signed and confirmed by the owner before it can be trusted to take pictures of the damage, and the damage assessment form must be confirmed by the three parties, and the repair work order.

The condition of the vehicle when it arrives at the shop is recorded in detail, and the owner signs for repairs. The process of vehicle maintenance is carried out in strict accordance with the regulations, and after the vehicle is repaired and returned to the store for handover, the estimated number of kilometers moved and the actual kilometers of the vehicle are recorded in detail. After the completion of the vehicle damage assessment and claim procedures, all chain stores will make a separate backup, so that the owner can check whether the amount and location of the damage assessment are consistent with the actual loss of the vehicle.

At present, many insurance companies are improving their claims services, and the reimbursement time for simple cases is very fast, usually 1-3 days or even the same day to complete the claim. The specific reimbursement time will be related to the complexity of the claim case and the size of the claim amount, in addition, if the claim information is complete and complete at one time, the compensation speed will be faster, and the claim settlement time will be extended if supplementary information is required.

The insurance company will usually make the payment within 3 working days after reviewing the claim information, and if the accident is more complicated, it will take 5-10 working days to make the payment.

According to our country's Insurance Law

According to the relevant provisions, after the occurrence of an insured event, when the policyholder, the insured or the beneficiary files a claim, if the insurance company considers that it is necessary to submit relevant certificates and materials, it shall notify the other party in a timely and one-time manner; After the materials are complete, the insurance company shall make an assessment in a timely manner, and if the situation is complicated, it shall make an assessment within 30 days, and notify the other party in writing of the verification result; For insurance liability, the insurance company shall pay the compensation within 10 days after the compensation agreement is reached; For those who do not belong to the insurance liability, a notice of refusal of compensation shall be issued within 3 days from the date of verification and explanation of the reasons.

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After the patient is discharged, he needs to bring the medical record of the hospitalization with the letter and the contract and other information to contact the insurance company for reimbursement, and the general hospital can transfer the medical record to the file room one week after the patient is discharged, bring the ID card to make a copy of the medical record, and prepare the materials that should be prepared for the claim provided on the last few pages of the insurance contract, and the reimbursement can be made within two years after discharge. Due to the long delay in the reimbursement materials, it is easy to lose and bring trouble to the claim, so it is recommended to handle it as soon as possible.

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<> insurance claim refers to the process in which the insurance company reviews the insured amount and grants the insurance money to the policyholder or the insured after the occurrence of an insured event in accordance with the provisions of the insurance contract. So, how long does it take to settle an insurance claim?

In fact, the insurance claim time is generally determined by the insurance company according to the specific insured event, and each insurance company has a different review and claim process, so the claim settlement time is also different. However, generally speaking, the insurance company will review the claim application as soon as possible after receiving the claim application from the policyholder or the insured, and quietly pay the insurance money as soon as possible.

First of all, after receiving the claim application from the policyholder or the insured, the insurance company will send professional and technical personnel or other professionals to the site as soon as possible to investigate in order to collect evidence about the occurrence of the insured accident, and conduct a preliminary review of the nature, cause and degree of loss of the insured accident, so as to determine the amount of insurance money.

Secondly, the insurance company will also review the claim application submitted by the policyholder or the insured in accordance with the provisions of the insurance contract, verify the authenticity of the insured accident, and whether the compensation rights and interests of the policyholder or the insured comply with the provisions of the insurance contract. If the review is passed, the insurance company will pay the insurance money according to the audit results.

Finally, the insurance company will give the policyholder or the insured the corresponding insurance money according to the specific circumstances of the insured event, and release the insurance money to the policyholder or the insured in the form of cash or check.

In general, the insurance claim time can generally be divided into three stages: the report stage, the review stage, and the claim settlement stage. Generally speaking, it generally takes 1-2 days for the reporting stage, 3-5 days for the review stage, and 1-2 days for the informant in the claim stage, so the insurance claim time is generally about 7 days.

Of course, the insurance claim time may also vary depending on the specific circumstances of the insured event, and if the insured event involves complex evidence, the review time may be extended, and the claim settlement time will be extended accordingly.

Therefore, in order to obtain a faster claim, the policyholder or the insured should report the case as soon as possible and prepare relevant evidence and information, so that the insurance company can review it as soon as possible and pay the insurance money as soon as possible.

In many cases, everyone is sure to encounter the high cost of hospitalization when they are sick and hospitalized, and the high cost of hospitalization is not something that most people can afford. Medical insurance helps you avoid this problem, how long does it take for medical insurance to be reimbursed? Below, in order to help you better understand the relevant legal knowledge, I have compiled the relevant content, I hope it will be helpful to you.

1. Medical insurance

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by the risk of disease. Through the employer and individual payment, the establishment of medical insurance**, the insured person reported that Jane fell ill and incurred medical expenses, by the medical insurance institution to give them a certain amount of economic compensation. The establishment and implementation of the basic medical insurance system gathers the economic and financial strength of the unit and the members of the society, coupled with the first-class 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".

2. How long does it take for medical insurance reimbursement?

Medical reimbursement is generally received within 30 working days. For details, please contact your local social security bureau.

The following documents need to be brought with you for reimbursement:

1. Original ID card or social security card;

2. The original certificate of disease diagnosis issued by the specialist doctor of the designated medical institution;

3. Original medical information such as outpatient medical records, examinations, and test result reports;

4. The original receipt of outpatient charges of the unified financial and taxation medical institutions;

5. The hospital computer prints the detailed list of outpatient expenses of the socks or the original payment prescription issued by the doctor;

6. Designated pharmacies: the original uniform invoice for the sale of tax commodities and the computer printed list;

7. If it is handled on behalf of the agent, the original ID card of the agent needs to be provided.

3. What are the conditions required to purchase medical insurance?

Commercial insurance only requires an ID card and can be purchased anywhere in the country. If you want to buy social security medical insurance as an individual, you can only apply at the social security department of your place of residence, and you must look at the household registration book in addition to your ID card.

To sum up, medical reimbursement is generally received within 30 working days. For details, please contact your local social security bureau. The following documents need to be brought to the time of reimbursement: original ID card or social security card; The original certificate of disease diagnosis issued by a specialist doctor of a designated medical institution;