How is medical insurance reimbursed?

A. Reimbursement of commercial medical insurance

Commercial medical insurance reimbursement is divided into two categories:

1) reimbursement of medical insurance coverage only, the out-of-pocket expenses are not reimbursed.

2) Full reimbursement of the remaining part of the social health insurance inside and outside.

But note that many commercial medical insurance policies have deductibles.

1. Commercial medical insurance reimbursement process

1) Timely reporting

2) Preparation of claims information

Milkman here to organize the materials needed for personal insurance claims, as follows:

As a medical insurance claim, in addition to the general information we should prepare, we should also prepare the hospital medical records, medical cost invoices, cost breakdown list of these materials.

3)Waiting for the insurance company to review

4)Payment of insurance benefits

The second, how to reimbursement of social health insurance?

1, social health insurance reimbursement to pay attention to

The three classifications of social health insurance:

A: can be reimbursed 100%.

Category B: partial reimbursement. For the unreimbursed portion of the cost, the health insurance card personal account has money in it to swipe the card, and no money to use cash to pay. Here is a reminder that in the case of urban medical and new rural cooperative, direct cash payment is fine.

Category C: Completely self-funded. Most of the imported drugs, special drugs are in this range, self-financed neither reimbursement of money all have to pay for themselves.

2, social health insurance reimbursement process

1) apply for reimbursement

2) wait for the material review

3) reimbursement application is complete

Three, milk dad summary

Looking at the above, I believe that many of our partners feel that it is very complicated and troublesome. Despite the relative complexity, it is still necessary to have some understanding. This can be greater to avoid disputes after the insurance claims. Or you can also look for professional assistance on policy claims. The most important thing, as always emphasized by my father, is to take out an insurance policy based on the contents of the insurance contract. A single medical insurance policy can't cover the full range of risks, and you need different types of insurance to coordinate with each other.

In addition to medical insurance, we also need to match the life insurance, critical illness insurance and accident insurance, to give themselves the maximum protection, if you do not know how to configure insurance, milkman suggests reading this article to learn "Debunking the six pits of insurance sales! Teach you how to correctly configure insurance"