Can medical examination be reported for medical insurance reimbursement?

Physical examination cannot be reimbursed by commercial medical insurance, but if employees participate in basic medical insurance, they can pay with the money in their personal accounts. If the medical insurance personal account has no money, it means that the basic medical insurance can't pay the medical examination fee. For commercial medical insurance, the reasonable and necessary medical expenses incurred by the insured due to illness or accident can be reimbursed, but physical examination obviously does not belong to the treatment of illness or accident, so it is not within the reimbursement scope of commercial medical insurance.

Benefits of physical examination:

1, early detection of diseases

Regular physical examination can find some diseases in the body early, which is beneficial to early treatment. For example, early screening of breast cancer, breast cancer is a common malignant tumor disease in women, and the incidence of breast cancer is increasing year by year, ranking first in the incidence of female tumors. Early physical examination can find breast cancer in time, and timely treatment can greatly improve the survival time and quality of life of breast cancer patients.

2. Prevent the occurrence of diseases

Regular physical examination can find some diseases of the body in time, which is conducive to timely treatment. For example, gallstones are stones in the gallbladder and bile duct. Because the stones are small, there is no need for surgical treatment. It can be found through regular physical examination that timely treatment can reduce the occurrence of stones and even avoid cholangitis and biliary pancreatitis caused by stones. Gallbladder polyp is a benign lesion protruding from gallbladder wall into gallbladder cavity. Regular physical examination can be found in time. If gallbladder polyps are found during physical examination, the gallbladder can be surgically removed in time under the guidance of a doctor to avoid serious complications.

3. Prevent disease recurrence

Regular physical examination can find some diseases of the body in time, treat them in time and prevent the recurrence of diseases. For example, if the gallbladder polyp is less than one centimeter after the doctor's assessment, you can not have surgery first, and then check it regularly. If the gallbladder polyp is larger than one centimeter, it is suggested to operate in time to reduce the recurrence of gallbladder polyp.

Precautions before physical examination:

1, the day before the physical examination, you must be careful not to eat and drink, especially not to drink alcohol, strong tea, coffee and other stimulating drinks, and not to eat too sweet, salty or greasy food, so as not to affect the test results the next day. After 8 o'clock in the evening, people usually fast.

2. Check that you can't eat or drink in the morning. If you feel thirsty, you can only drink a little (a bite or two) boiled water. If you want to do prostate ultrasound or gynecological ultrasound, you must hold your urine.

Don't eat greasy and indigestible things, and don't drink. Don't eat canned fruit, don't drink and eat indiscriminately, which will easily lead to the false phenomenon of hyperglycemia and dyslipidemia. On the morning of the physical examination, you must be on an empty stomach. The blood lipid and liver function in biochemical examination, as well as the examination of gallbladder by B-ultrasound, must be on an empty stomach.

To sum up, the physical examination is mainly to check the whole body organs and comprehensively judge the health status of the body. Early diagnosis of early diseases is beneficial to early treatment and rehabilitation of diseases. Good health management and regular physical examination contribute to the maintenance of human health and the treatment of diseases.

Legal basis:

People's Republic of China (PRC) social insurance law

Article 28

Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.

Article 30

The following medical expenses are not included in the payment scope of the basic medical insurance fund:

1, which shall be paid from the industrial injury insurance fund;

2, should be borne by a third person;

3, should be borne by public health;

4. Go abroad for medical treatment.