Is it covered by medical insurance for stomach problems?

In general, acute gastritis.

Look at it. Or chronic superficial gastritis.

Although not optimistic, but these two diseases.

will not affect major diseases.

It doesn't matter if there is an underwriting. It is possible to insure normally, then atrophic gastritis.

It is different, especially for severe atrophic gastritis, the probability of cancer in the future is relatively obvious.

Therefore, underwriting is quite cautious, generally speaking.

If the product sold online is atrophic gastritis, he usually has a relatively simple and crude method: refusal of insurance.

So do you think we have a chance to buy it?

We can try some offline traditional business, which can be manually underwritten.

At this time, you need to provide some medical records.

as well as some of our follow-up gastroscopy reports.

It needs to be proven that this client's current atrophic gastritis is not serious.

And it is relatively stable, so at the same time, when the age is relatively young, then there are some products that can still take care of serious illness, but there may be a small amount of additional fees or cancer on the stomach.

except. This is some of the offline businesses we are talking about, so what about medical insurance, and critical illness insurance.

There is a place where the views are more compatible, if everyone is atrophic gastritis.

Generally speaking, medical insurance is. Then if it is superficial gastritis or acute gastritis.

It can still be insured, but gastritis is a relatively recurring disease, so there will be exclusions in this disease medical insurance.

Can I buy insurance if I have gastritis? Do I need to inform the insurance company when I apply for insurance?

This stomach disease can definitely enjoy medical insurance. If you seek medical treatment at a local medical insurance hospital, you can enjoy medical insurance when you see a doctor. If you seek medical treatment for sudden acute gastric bleeding in other places, you can also return to the local medical insurance department for reimbursement.

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Gastrointestinal endoscopy can be reimbursed by medical insurance.

The part of the medical expenses of the insured persons that should be paid by the basic medical insurance** shall be directly settled by the social insurance agency and the medical institution and the drug business unit. The administrative department of social insurance and the administrative department of health shall establish a system for the settlement of medical expenses for medical treatment in other places to facilitate the insured persons to enjoy basic medical insurance benefits.

Medical insurance can generally reimburse reasonable and necessary medical expenses incurred due to illness or accident, including inpatient medical expenses, outpatient and emergency medical expenses before and after hospitalization, etc., so medical insurance can usually reimburse the medical expenses incurred in hospitalization for gastrointestinal endoscopy.

[Legal basis].

Legal analysis: Generally, gastroscopy during hospitalization can be reimbursed through medical insurance, and outpatient examination generally cannot be reimbursed, but you can use your social security card to pay.

Legal basis: "Detailed Rules for the Implementation of the Social Insurance Law of the People's Republic of China" Article 8 The medical expenses incurred by the insured persons in the agreed medical institutions shall be paid from the basic medical insurance in accordance with the provisions of the State if they meet the standards of the basic medical insurance drug list, diagnosis and treatment items and medical service facilities. If the insured person really needs emergency treatment or rescue, he or she can seek medical treatment in a non-agreed medical institution; The scope of drugs that must be used for rescue purposes may be appropriately relaxed.

The specific management measures for medical services for emergency and rescue of insured persons shall be formulated by the overall planning area according to the actual local situation.