Medical insurance has reimbursed part of the expenses. Can Business Daily reimburse you?

Most commercial medical insurance is cost compensation insurance. That is, you can't get excess compensation from the insurance company for the expenses reimbursed elsewhere. This rule applies not only to commercial medical insurance, but also to commercial medical insurance and medical insurance reimbursement.

Commercial medical insurance mainly includes hospitalization allowance type and expense reimbursement type. The previous insurance company compensated the insured for the loss during hospitalization with a fixed amount every day. This kind of product does not duplicate social security or other types of commercial medical insurance, which is a good choice.

Commercial medical insurance only reimburses the actual medical expenses incurred by the insured, and the reimbursement scope of different commercial medical insurance is different. Expense reimbursement insurance can reimburse hospitalization medical expenses, but different products have different provisions on the scope of reimbursement. Some commercial medical insurance contracts stipulate that the actual medical expenses must be reimbursed within the scope of social security reimbursement.

If compensation has been obtained from social security or other social welfare institutions, the insurance company will only pay the rest, if social security cannot be reimbursed (imported drugs, specific drugs, intensive care units, etc.). ), such commercial medical insurance can not be reimbursed, and its role is only to compensate for the part that needs to be borne by itself in proportion after social security reimbursement. However, some commercial medical insurance stipulates that as long as the actual and reasonable expenses are incurred, the insurance company can make compensation in proportion or after a certain deductible.

Materials required for applying for reimbursement:

Commercial outpatient medical insurance reimbursement needs to prepare three materials:

(1) Copy of ID card.

(2) the original receipt of medical expenses; Original medical manuals, prescriptions, lists, etc.

The materials to be prepared for reimbursement of medical insurance for commercial hospitalization are as follows.

(1) Copy of ID card.

(2) A copy of the medical record shall be stamped with the seal of the hospital (the original ID card of the injured person shall be copied in the medical department of the hospital).

(3) the original receipt of medical expenses and the original details of hospitalization medical expenses.

(4) medical manuals, prescriptions, checklists and other originals.

(5) Discharge summary (provided and stamped by the hospital).

(6) If there is social security reimbursement, a social security claim list shall be provided.