Mr. Zhang was accidentally injured at the construction site, and his colleagues sent him to the hospital for treatment in time.
Because the company bought group accident insurance for employees, Mr. Zhang's medical expenses for one month in hospital were reimbursed by the insurance company.
However, three months later, Mr. Zhang's eye disease recurred again and he needed to be hospitalized for the second time.
Because the group accident insurance purchased by the company for employees expired one month after Mr. Zhang was discharged from the hospital for the first time, Mr. Zhang did not know the medical expenses for the second hospitalization. Can the insurance company still reimburse him?
Second, the scope of compensation for group accident insurance has the following aspects:
(1) Accidental death:
The insured died within 180 days from the date of accidental injury due to accidental injury.
(2) Accidental disability:
The insured shall, within 180 days from the date of the accidental injury, pay the beneficiary the disability insurance money caused by the accidental injury according to the terms and conditions. ^
(3) Accidental medical treatment:
The insured suffers accidental injury due to an accident and is treated by the hospital within 180 days from the date of the accident;
Reasonable and necessary medical expenses actually paid by the insured during hospitalization.
Therefore, the time from Mr. Zhang's second hospitalization to the accident did not exceed 180 days, and the contract period of the instant policy has expired.
Mr. Zhang's medical expenses can still be reimbursed according to the terms of the insurance company.
Note: When you apply for insurance, you must read the insurance clauses carefully. The compensation standard of accident insurance is: after an accident, the insured can get the compensation of accident insurance within 180 days from the date of the accident as long as the insurance clauses are met.