Reimbursement for Major Medical Insurance

When a participant falls ill, the medical insurance for major diseases can reduce the financial burden of the ill person. Medical expenses exceeding the maximum payment limit of the basic medical fund will be reimbursed twice by the medical insurance for major illnesses. The reimbursement amount is 85% for 0-40,000 yuan or less, 90% for 40,000 yuan to 80,000 yuan or less, and 95% for 80,000 yuan or more. The maximum reimbursement limit is $150,000 in a year.

Detailed reimbursement for major medical insurance

The scope of exclusions of major medical insurance is as follows:

1. Unauthorized visit to non-scheduled hospitals (except for emergency resuscitation);

2. Occupational disease, injury at work, or recurrence of an old disease resulting from a work injury;

3. Injuries caused by traffic accidents;

4. Injuries caused by the violation of law;

5. Food poisoning due to accidents;

6. Suicide resulting in treatment;

7. Injuries caused by medical malpractice;

8. According to the state and municipal regulations should be self-care of medical expenses.

There are two types of medical insurance for serious illnesses, one is social security medical insurance for serious illnesses, which is a special medical insurance fund set up to protect the medical needs of urban residents and is used to pay for the medical expenses incurred by urban residents that exceed the maximum limit of payment of the basic medical insurance within a year. The other is commercial critical illness insurance, when the insured person suffers from the disease covered by the insurance contract, the insurance company assumes the responsibility of paying the insurance benefit. Which is the strongest insurance company, I just happened to organize the relevant content, I hope it will help you: the latest list! National top ten insurance companies ranking

Social security major medical insurance coverage of the cost of reimbursement of the actual incurred medical costs, the need for invoices of the actual incurred medical costs, divided into general outpatient emergency cost reimbursement and reimbursement of hospitalization costs, and the large medical co-ordination, with a certain limit; and commercial insurance major medical insurance coverage of the cost of the early payment, i.e., as long as the hospital diagnosed as suffering from a policy in the major illness, immediately pay out the full amount according to the contract. For the health insurance reimbursement strategy, I just happened to organize the relevant content, I hope to help you: social security health insurance how to use? An article to teach you to apply for the reimbursement process!

After reading the above introduction, we understand that the major medical insurance has the limitations of reimbursement scope and amount, therefore, if the economic conditions allow, you can buy commercial critical illness insurance to improve their own protection. What are the good critical illness insurance recommendations, I happen to organize the relevant content, I hope to help you: ten insurance companies "worth buying" the popular critical illness insurance inventory!