If I buy an insurance after hospitalization, can I reimburse the expenses incurred in subsequent hos

For the insurance purchased after hospitalization, whether the expenses incurred in subsequent hospitalization can be reimbursed after the insurance takes effect mainly depends on the type of insurance insured.

If you are already sick and hospitalized, you can apply for health insurance, and you will have a pre-existing condition for subsequent hospitalization**.

In this case, the insurance that can usually include pre-existing condition liability is group insurance. And most individuals buy commercial insurance.

It cannot include pre-existing conditions, the insurance company will not be liable for the risks that have been foreseen, and the insurance company will not be able to reimburse the expenses incurred in subsequent hospitalizations after the insurance has taken effect.

In addition, when you say insurance purchased after hospitalization, do you mean insurance purchased during hospitalization? Usually, it is not possible to buy personal health insurance during hospitalization**, and the underwriting will not be passed. Health insurance has strict health inquiries when applying for insurance, and each health problem must be carefully read and truthfully informed.

Insurance law in our country.

Article 16 stipulates that if the insurer makes inquiries about the subject matter of the insurance or the relevant circumstances of the insured when entering into an insurance contract, the policyholder shall truthfully inform the insurer. The policyholder's intentional or gross negligence failure to perform the obligation of truthful notification provided for in the preceding paragraph is sufficient to influence the insurer's decision on whether to agree to underwrite or increase the insurance rate.

, the insurer has the right to terminate the contract. If the policyholder deliberately fails to perform the obligation to truthfully inform, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the contract, and shall not refund the insurance premium. If the insured fails to perform the obligation of truthful notification due to gross negligence, which has a serious impact on the occurrence of the insured accident, the insurer shall not be liable for compensation or payment of insurance money for the insured accident that occurred before the termination of the contract, but shall refund the insurance premium.

Of course, if all health information issues have been truthfully informed at the time of insurance, and the insurance company agrees to underwrite the insurance, and there is no pre-existing condition, then the insurance company will bear the corresponding liability and can reimburse the relevant expenses in accordance with the insurance liability agreed in the insurance contract.

Tips: The insurance application process must be compliant and truthfully informed. In addition, you should buy health insurance as soon as possible: the insurance rate will be lower for the younger ones than for the elderly, and the insurance will not be limited by health notification questions when you are in good health.

The insurance purchased after hospitalization does not reimburse the expenses incurred in subsequent hospitalization, and should be reimbursed for the next hospitalization.

No, because the insurance only covers the cost after the effective date of the policy, not the hospitalization first.

If you buy the insurance after hospitalization, then the expenses incurred by the subsequent hospitalization after the insurance is effective cannot be reimbursed, because you bought it after hospitalization, if you bought it before hospitalization, it is okay.

Insurance purchased after hospitalization cannot be reimbursed for subsequent hospitalization. And there is no reimbursement for expenses incurred for the same type of illness in the future.

If you buy the insurance after hospitalization, after the insurance takes effect, you will definitely not be able to report the subsequent expenses incurred by Zhu Xuan, because the insurance company will conduct a review of the insurance you bought. In this case, you are generally not allowed to reimburse.

If the insurance is purchased after hospitalization, the effective date of the insurance is later than the date of hospitalization, and the hospitalization expenses cannot be reimbursed. You can be discharged from the hospital and then admitted to the hospital again, making sure that your admission date is after the effective date of the policy.

In general, the insurance will only pay for the medical expenses incurred after the waiting period, or if the risk of the injury to the person meets the compensation standard.

If I buy an insurance after hospitalization, can I reimburse the expenses incurred in subsequent hospitalization after the insurance takes effect? Insurance purchased after hospitalization. As soon as the subscription insurance becomes effective, you see if you bought the insurance before the trial and after you were hospitalized after you were discharged from the hospital.

His hospitalization costs are not valid because they are time-limited.

If the insurance is purchased after hospitalization, the pre-existing diseases will be deducted after the policy takes effect, and the subsequent diseases will also be denied due to the causal relationship of the previous diseases.

Didn't explain what insurance, no. I will only tell you one thing, the guaranteed medical insurance, the medical insurance in the social security must be paid for more than six consecutive months before it can be reimbursed. Medical insurance for urban residents and new rural cooperative medical insurance can only be reimbursed three months after payment.

Reimbursement of hospitalization expenses incurred from the effective date of the policy depends on how the terms of the contract are written, as you may have purchased insurance for this hospitalization.

You don't buy it. Business Insurance.

Instead, you should go to buy social security institutions.

Medical insurance for urban residents.

This way you can buy it and go to the hospital** and not belong.

Fraudulent insurance. Good luck with you**.

Most plans need to be active before hospitalization. You need to consult the insurance company you purchased, and they will give you an accurate response.

OK. 1. Can I be reimbursed after the medical insurance takes effect?

1. Participate in the insurance and pay normally (referring to the time of discharge from the hospital, still in the state of insurance payment) and the treatment review period has expired (30 days of insurance and payment as a unit, and 6 months of insurance and payment as an individual).

2. The type of disease meets the "basic medical insurance".

Catalogue of Inpatient Diseases".

3. Complete information.

2. Materials for medical insurance reimbursement.

1. Network failure or loss of resident medical insurance card.

Residents who cause manual settlements are required to provide:

1) Outpatient: invoice, Yuzi Fang;

2) Hospitalization: invoices, prescriptions, and inpatient medical records stamped with the seal of the medical institution.

A copy of the first page, a list of hospitalization expenses.

2. Minors and college students in the accident injury clinic need to provide: invoices, prescriptions, medical records and accidental injury certificates issued by the school or neighborhood committee.

3. Maternity reimbursement needs to provide: "Maternity Service Certificate".

or the original and photocopy of the "Reproduction Service Certificate", medical records, prescriptions, invoices, lists of hospitalization expenses, and discharge records.

4. Register the doctor in another place.

of residents are required to provide: invoices, a list of hospitalization expenses, and hospitalization records.

A copy of the homepage, discharge record, and a certificate from the local medical insurance center.

Extended Resources: Advantages of Purchasing Medicare:

1. Advantage 1: You can apply for insurance with illness.

When applying for commercial medical insurance, health information must be given. For those who have physical abnormalities, it is usually difficult to buy medical insurance.

And medical insurance is different, even if you have cancer.

You can also be insured, and you can also be reimbursed according to the rules for sick insurance.

2. Advantage 2: Lifetime guaranteed renewal.

99% of commercial medical insurance on the market is not guaranteed to be renewed, you can buy it this year, and it may be discontinued in a few years.

There are even some products that have to review our health changes every year, and the renewal conditions are very harsh.

And medical insurance has a national backing, as long as you want, you can buy it all the time, which is a real lifetime guarantee renewal.

3. Advantage 3: Long-term effectiveness.

Almost all commercial medical insurance plans are paid for one year and the coverage is terminated if the payment is not made in a certain year.

As for the employee medical insurance, if the payment period meets the requirements (30 years for men in Changsha and 25 years for women), you can enjoy medical insurance benefits for life after retirement.

Hospitalization prior to enrollment is not reimbursable. Because of commercial insurance.

There is an observation period after it takes effect:

1. After the contract comes into effect, the accident can be reimbursed.

2. There is generally an observation period of 90 for other reed bucket conditions. Because it was a hospitalization before it took effect, it was not reimbursed.

Test your anti-risk index, Li Haoyuan expert will interpret it for you for free!

When I am hospitalized, I pay for my own expenses, can I apply for medical insurance after being discharged?

Hello dear, glad to answer for you. <>

Reimbursable. If it is a basic medical insurance, then the insured people can also use medical insurance for reimbursement after paying their own expenses. However, only the expenses within the scope of medical insurance can be reimbursed, and the insured is generally required to provide a list of inpatient medical expenses, invoices for inpatient medical expenses, hospitalization summary and other information to the medical insurance center, and the staff can be reimbursed if it is approved.

If it is commercial medical insurance, then it can definitely be reimbursed. That is, after the insured is discharged from the hospital at his own expense, he or she needs to provide the list of inpatient medical expenses, invoices for inpatient medical expenses, hospitalization summary and other materials to the insurance company, and only after the review is passed, can it be reimbursed. However, some medical insurance companies have advance payment services, which can require the insurance company to pay in advance, and then wait until the insured is discharged from the hospital before submitting the reimbursement materials to the insurance company.

In addition, there is a time limit for medical insurance reimbursement, but the time limit for reimbursement in different cities is not the same. The above is mine, I hope it will be helpful to you.

Compared to the outpatient clinics** that we are more common in our daily life, we will need to pay more for hospitalization**. This is mainly due to the fact that during the hospitalization, we have to pay not only the ordinary expenses, but also other higher medical expenses. Therefore, it is very necessary to purchase a long-term hospitalization medical insurance to provide us with long-term hospitalization protection.

When purchasing long-term hospitalization medical insurance, you need to pay attention to the following:

Find out how many days your insurance is payable and deductible. Generally speaking, if we want to buy long-term hospitalization medical insurance, the more days it pays, the better, and the fewer days it deducts, the better. But generally such products will be more expensive, everyone should do what they can, don't bring too much burden to yourself because of the purchase of insurance.

Find out what your insurance covers. It should be reminded that most of us need to be hospitalized because of accidental injuries or illnesses**, so the protection in these aspects must be comprehensive.

Learn about premium refund options. In fact, long-term hospitalization medical insurance is a whole life insurance, and there are both return and consumption insurance. Usually, the consumer-type premium is cheaper, but the product no longer enjoys other financial management functions, and the return-type long-term hospitalization medical insurance in addition to the hospitalization allowance, but also attaches the medium and long-term stable income, asset preservation function, the product connotation is richer.

In short, if we want to buy long-term hospitalization medical insurance, we must understand the precautions such as the coverage of the product, the number of days of payment and the number of days of deductible, and choose the insurance product that is really suitable for us according to our own needs and actual situation.

Extended reading: [Insurance] How to buy, which one is better, teach you to avoid these insurance"pits"

You can buy medical insurance during your hospitalization.

Questions. Which insurance will be reimbursed at the time of discharge.

The insurances that can be reimbursed for hospitalization are: general hospitalization insurance and million medical insurance. Among them, the reimbursement amount of ordinary hospitalization insurance is generally tens of thousands of yuan, which is suitable for the reimbursement of hospitalization expenses for minor diseases.

The reimbursement amount of million medical insurance is several million, which is suitable for the reimbursement of ** expenses for serious illnesses, but there is a deductible of 10,000, so it is recommended to use it with ordinary hospitalization insurance.

Which one do you want?

Questions. How much does it cost to pay for these two types of insurance and what information is required?

Million medical insurance according to your age and the level of insurance you buy is not the same, 30-year-old adults need 500 yuan a year to buy, and 1000 yuan a year, the cost is not the same, the scope of insurance has also changed, you can decide according to your own situation, the service ** is 952126.

Summary. Hello, in general, medical insurance in China can be reimbursed during hospitalization. But there are a few things to be aware of:

First of all, you need to check the specific policies and regulations of the medical insurance you hold, understand the reimbursement scope, ratio, limit and other relevant information of the medical insurance, as well as the reimbursement materials and procedures that need to be provided. <>

Hello, in general, medical insurance in China can be reimbursed during hospitalization. However, it is necessary to pay attention to the following points: first, you need to check the specific policies and regulations of the medical insurance you hold, understand the reimbursement scope, proportion, limit and other relevant information of the medical inspection and resistance, as well as the reimbursement information and procedures that need to be provided.

If you use medical services or medicines that are not covered by the insurance during hospitalization**, you will need to pay for this part of the expenses. For the commercial medical insurance of some insurance companies, it may be necessary to sign a specific contract with the insurance company in advance, and reimburse in accordance with the provisions of the contract. <>

During the hospitalization, it is necessary to keep the relevant medical receipts and medical reimbursement vouchers in time for subsequent reimbursement. In short, if you need reimbursement of medical expenses during your hospitalization, it is recommended that you understand the policies and regulations of the medical insurance you hold in detail, and provide relevant information and procedures in time to declare for reimbursement. <>