The reimbursement scope of Beijing Pratt & Whitney Insurance mainly includes the following aspects:
1. Out-of-pocket medical expenses in medical insurance: including medical expenses arising from hospitalization, outpatient chronic diseases and outpatient special assistance.
2. Out-of-pocket medical expenses for hospitalization outside medical insurance: including out-of-pocket hospitalization and emergency medical expenses, as well as out-of-pocket expenses related to some high-priced drugs.
It should be noted that Beijing Pratt & Whitney Insurance has certain compensation restrictions for some diseases. Please refer to the relevant clauses in the insurance contract for details. Pratt & Whitney Insurance generally refers to Beijing Pratt & Whitney Health Insurance, which is a "Huimin" health insurance product for Beijing residents. Mainly for the insured of Beijing basic medical insurance (including employee medical insurance and resident medical insurance), regardless of age, occupation and health status, there is no need for physical examination. The insured only needs 195 yuan a year, and can get up to 2 million yuan of supplementary medical insurance.
To sum up:
The reimbursement scope of Beijing Pratt & Whitney Insurance includes out-of-pocket medical expenses in medical insurance and out-of-pocket medical expenses in hospitalization, but the specific compensation standards and restrictions need to be determined according to the relevant clauses in the insurance contract.
Legal basis:
According to the Insurance Law of People's Republic of China (PRC), an insurance contract is an agreement between the insured and the insurer to stipulate the insurance rights and obligations. The applicant shall pay the insurance premium to the insurer in accordance with the contract, and the insurer shall be liable for compensation or payment of insurance benefits in accordance with the contract. Therefore, the scope of compensation and compensation standard of Beijing Pratt & Whitney Insurance should be determined according to the relevant clauses in the insurance contract.