Can the school s insurance cover the child s hospitalization?

First of all, you need to confirm what kind of insurance you have purchased at the school and the specific protection responsibilities. Generally, schools purchase student insurance.

It mainly covers the child's accidental medical treatment and hospitalization; Medical insurance is a reimbursement system, according to the invoice according to the insurance liability.

Reimbursement is required on a pro-rata basis, and cannot exceed the actual expenses incurred; Xueping insurance is "safety insurance for primary and secondary school students."

It is a kind of insurance that primary and secondary school students voluntarily participate in when they enter school, and the school collects premiums on their behalf. So, is the child's hospitalization reimbursed by insurance?

The protection provided by Xueping Insurance mainly includes accidental injury, accidental injury medical treatment and hospitalization medical treatment, so if the child is hospitalized due to accidental injury or illness**, it is natural to use Xueping Insurance to reimburse.

As long as you report the case to the insurance company within the specified time, apply for a claim, and then the insurance policy will be issued.

Hospitalization summary, medical expense invoice and other materials are handed over to the insurance company, and the insurance company will review it according to the information, and the reimbursement will be made after the review is passed, and the claim payment will be issued to the designated account.

As for the specific amount of reimbursement, it depends on the specific situation of hospitalization ** and the regulations of the insurance company. You can check the policy wording to understand the reimbursement ratio and scope. Student insurance is basically reimbursed according to the level of medical expenses.

50% of medical expenses such as 1,000 or less will be reimbursed; 60% reimbursement from 1 to 4 thousand; 70% reimbursement for 4 to 7 thousand; 80% reimbursement for 7,000 to 10,000; 90% reimbursement from 1 to 30,000; 95% reimbursement for more than 30,000 yuan. If the child is sick and hospitalized, the rural cooperative medical insurance can be reimbursed first.

The remaining part can go to the school for reimbursement by insurance;

If it is an outpatient clinic, the provisions of the rural cooperative medical insurance in various places are different, and the outpatient expenses in some places cannot be reimbursed, and the school's academic insurance is generally only responsible for the outpatient medical expenses caused by accidents, and cannot exceed the insured amount.

Therefore, it is still necessary to look at the responsibilities and terms of the specific insurance.

The insurance bought by the school can be reimbursed if it is hospitalized, and the insurance bought by the school generally refers to the school insurance or the school liability insurance. As long as you report to the insurance company within the specified time to apply for a claim, and then submit the hospitalization summary and other materials to the insurance company for reimbursement.

Yes! Hospitalization can be reimbursed by insurance purchased by the school. The insurance purchased by the school generally refers to the school insurance or the school liability insurance, etc.

Legal analysis: The insurance paid by the school is generally a student insurance, and whether the insured can be reimbursed for hospitalization depends on the situation. Generally, if you are hospitalized due to an accident, you can be reimbursed, and if you are sick, you need to carefully check the insurance terms whether you can be reimbursed.

The insurance purchased by the school generally covers accidental medical treatment and hospitalization, as well as accidental death, illness death, etc.

Legal basis: "Social Insurance Law of the People's Republic of China" Article 24 The State shall establish and improve a new type of rural cooperative medical system. The management measures for the new type of rural cooperative medical care shall be stipulated by ***.

Hello dear! We'll be happy to answer for you; The insurance paid by the school can be reimbursed for hospitalization in the sick. The insurance purchased by the school can cover the cost of hospitalization, but if the hospitalization medical expenses are caused by illness, it depends on whether there is relevant coverage.

The insurance purchased by the school generally refers to the general insurance for learning, which belongs to the accident insurance, which can mainly protect accidental death or disability, accidental medical treatment, etc., so the insured can usually be reimbursed for the hospitalization medical expenses caused by the accident. However, the scope of insurance can be different for different examinations, and not all examinations have medical protection for illness, so only the insurance that includes medical protection for illness can reimburse the insured's hospitalization medical expenses caused by illness, and if there is no medical insurance for illness, it cannot be reimbursed.

It can be reimbursed, and the insurance that the child bought at school can be reimbursed if he is sick and hospitalized. If the insured Xueping insurance has illness hospitalization medical insurance, it can be reimbursed, but you need to wait for the illness that occurs after the period to apply for a claim.

The common insurance content of the study insurance usually includes accident protection and illness protection, and the specific protection responsibilities are as follows:

1. Accidental medical insurance: including reimbursement of accidental outpatient and inpatient medical expenses, mainly reimbursement of expenses in the medical insurance catalog, that is, outpatient expenses arising from accidents can be reimbursed.

2. Accidental Death Disability Benefit: Death or disability caused by an accident shall be paid according to the contract.

3. Hospitalization: After the waiting period, usually 30 days, the medical expenses incurred due to hospitalization due to illness will be compensated in accordance with the contract.

4. Death due to illness: After the waiting period of 30 days, if you die due to illness, you can pay compensation according to the contract.

5. Changjian hospitalization allowance: The allowance is paid according to the actual number of days of hospitalization, mainly the accidental hospitalization allowance, and there is a limit on the maximum number of days of payment.

6. Critical illness protection: If a critical illness is diagnosed, the insurance benefit can be paid in a lump sum according to the contract.