Three years ago, I had a blood test in the outpatient clinic with high uric acid, and now I have to

This need depends on the situation.

1. What is health notification? Health notification means that when applying for insurance, the insurance company will ask the policyholder to fill out a health questionnaire and truthfully inform the insurance company of his physical condition according to the questions in the questionnaire.

Health advice must adhere to the principle of integrity, and we will answer whatever the insurance company asks.

Health information is an important bridge between us and the insurance company, so it is important not to hide it.

2. What happens without health notification? If you have symptoms of high uric acid, it is recommended that you must tell the truth when you buy insurance, if you do not tell the truth, the following consequences may occur:

1) After the occurrence of the disease, you cannot get the insurance company's claim.

2) In addition to not receiving compensation from the company, the insurance contract may be terminated because the policyholder has not fulfilled the obligation to truthfully inform the policyholder at the time of purchasing the insurance.

The above situation will lead to our failure to get compensation in case of insurance, increase our burden, and the gains outweigh the losses.

Xueba talks about insurance, focusing on insurance evaluation! Here I have compiled some tips for filling in the health notice and the problems you may encounter, and it is recommended to bookmark:What are the tips for health notification when applying for insurance? 》

Health notification is an important part of the insurance contract as an insurance company's investigation and inquiry into the health status of the insurance customer. This is related to whether your insurance content is effective, whether the insurance can be claimed normally, etc., different insurance companies have different requirements for health conditions, and the content of the inquiry is also different.

If you conceal any health notices, you do not need to surrender the policy when the situation is not serious, and you can apply to the insurance company for supplementary underwriting, so that the coverage can still be effective.

However, once the circumstances are serious, according to the provisions of the Insurance Law, the insurance company can refuse to settle the claim and terminate the insurance contract, and even not refund you a penny.

When purchasing domestic insurance, the health notice should be filled in in accordance with the "three answers": what to ask; No questions or answers; Think about it before you answer. If you have some minor problems with your body, you can check out this article on going to buy insurance:

"Five steps to teach you to easily take out sick insurance".

At present, there are two ways to choose between intelligent underwriting and manual underwriting.

If you don't pass the intelligent underwriting, you can do a manual underwriting, this is because the review of manual underwriting will be more accurate and flexible, if the manual review is not passed, you have to choose those products that are not so strict with health requirements, these are some insurance products that are not so strict with the control of health conditions, and you need to be able to collect:"The health requirements of these products are really low".

Tips:

1. It is recommended that you do not have a physical examination before buying insurance, you just need to tell what you know.

2. If you have been misdiagnosed before, you must tell the insurance company in time, because the misdiagnosis will also have outpatient or inpatient records, which may affect the later claim work. Hope!

Carefully preferred, 30% lower. After the medical examination, the claim is more secure.

Commercial medical insurance, which mainly covers medical expenses caused by illness or accidental injury. As for the preconception test you mentioned, it is covered by maternity insurance and not commercial medical insurance.

For specific circumstances, please consult your company's commercial insurance manager, because commercial insurance is generally underwritten according to the needs of the enterprise handling department, so basically the protection content of each so-called "supplementary commercial medical insurance" is different!

Any insurance, including social security, is not reimbursed for outpatient check-ups.

Unless there is an accident to injure medical treatment.

Ping An Life Insurance Shopping Guide greets you.

How much does the preconception test cost, but also reimbursement?

See if the commercial insurance provided by the company is covered.

Types of commercial group life insurance: pension, accident, hospitalization, maternity, family illness!

Just use the medical insurance card directly to see a doctor, the hospital finance will calculate it directly for you, and the remaining expenses are to be paid by yourself, which is generally not a designated hospital, and the reimbursement ratio is also very low.

Reimbursement is made in proportion to the local reimbursement.

The reimbursement of accidental injuries is that all medical expenses incurred due to accidents are insured, and the student's accident insurance consists of 3 parts:

1. Accidental medical treatment: The outpatient and inpatient medical expenses caused by the accident generally have a minimum payment line of 100 yuan, and the part exceeding 100 yuan will be compensated at 80%.

2. Accidental disability: For disability caused by accidents, the sum insured will be paid according to the disability level 1-10, for example, the first level disability is full compensation, and the level 6 is 40%.

3. Accidental death: 100% of the sum insured.

Each local policy is different, so it is recommended to consult the local agricultural protection office directly.

General employee medical insurance is directly reimbursed. Others are not employees, only inpatient reimbursement is reimbursed, and outpatient clinics are not reimbursed.

Maybe the fracture is not included in the medical insurance card, and the brain department may be counted, and it can be reimbursed by registering another number.

If you buy relevant commercial insurance, you can be reimbursed for hospitalization by rural medical insurance.

Medicare reimbursement is made after discharge or transfer.

Settlement procedures for inpatient and special disease outpatient**:

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 having special diseases should 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;

Emergency settlement procedures: insured personnel due to emergency rescue to the city's non-designated medical institutions and non-local medical institutions hospitalized**, the medical expenses incurred, first paid by the individual or unit, after the end of the emergency rescue, with the hospital emergency medical records, examinations, laboratory reports, invoices, detailed medical charges to the medical insurance agency according to the provisions of the reimbursement procedures.

Regardless of whether the heart disease is more serious than before, the reason why the disease is now committed is because of the car accident, the car accident is the proximate cause, the insurance is to see whether the proximate cause is within the scope of the insurance contract, if the car owner did not buy insurance, of course, the car owner compensates: but the car owner has bought full insurance, then the insurance company should compensate on behalf of the car owner, if not compensate, then sue them...

It must be related to the damage, but the cost of heart disease is related to the traffic accident, appropriate compensation, the insurance company must also be responsible, the car owner does not compensate, the court will rule, and now I want to transfer to the hospital, it is not considered closed.

If it can be proven that the heart disease was caused by a car accident, the insurance company should pay for it.

Legal issues hehehe don't understand very well.

Oh, I think the insurance company has changed the management of something, and there is a cause and effect.

He did not report the medical expenses incurred before the accident.

If you are studying medicine, you should have an understanding of whether this school is good or not, and whether it is difficult to take the test depends on whether your intentions are in place. Generally speaking, it should not be difficult to take the cross-school examination for this major, as long as you work hard, you will definitely be fine, you must persevere to the end, many people who are admitted are people who have worked hard and studied seriously for half a year, which is the old saying: as long as the kung fu is deep, the iron pestle is sharpened into a needle!