Longyan Medical Insurance Center Customer Service Phone

Customer service telephone number of Longyan Medical Insurance Center is 95 169000.

1. With the popularization of social security policy, most people have purchased basic social medical insurance, but when paying for personal hospitalization-related medical expenses, the basic social medical insurance can only be reimbursed in proportion above the deductible line and below the ceiling line.

2. Secondly, the scope of reimbursement of basic social medical insurance is limited. For some drugs and some diagnosis and treatment projects, the means of service are not within the scope of reimbursement of basic social medical insurance. Therefore, if you want to get more comprehensive medical insurance, you can configure yourself with appropriate commercial medical insurance as a supplement.

3. Not all commercial medical insurance can be superimposed with basic medical insurance.

4. First of all, talk about medical insurance for major diseases. For this kind of critical illness insurance, if the insured suffers from a major contract-related disease, once diagnosed, he can get the corresponding insurance money, which does not conflict with our social basic medical insurance.

5. The second category is commercial medical insurance with cost compensation. This kind of products mainly distinguish between social security and social security. If a person wants to buy some medical insurance with reimbursement of medical expenses, he must ask whether this product can reimburse medical expenses other than social security. If it is limited to the basic medical care of social security, it is obviously not suitable for people who already have basic social medical insurance and group medical insurance, and it is more effective to choose a medical insurance that is not limited to social security.

6. The third situation is some commercial subsidized medical insurance. This product is also called subsidized insurance, or fixed payment insurance, which has nothing to do with actual medical expenses. No matter how much money is spent during the treatment and what disease you get, the insurance company will pay according to the compensation standard agreed in the contract.

Even if you participate in social medical insurance and unfortunately suffer from serious illness, you can use commercial insurance. As long as you choose commercial medical insurance, the rest of the social security reimbursement can be reimbursed. If you have subsidized medical insurance, you can get extra compensation. However, when purchasing commercial medical insurance, we should also pay attention to the following issues: First, we need to fulfill the obligation of telling the truth. If you don't fulfill your obligation to tell the truth before insurance, there will be claims disputes if you go out again; Secondly, it is necessary to focus on the relevant provisions of the observation period or exemption clause in commercial medical insurance; Third, when seeking medical treatment, you need to choose relevant medical institutions stipulated or recognized by insurance companies.