1. See a doctor. In case of accident or illness, the insured can choose to see a doctor in a cooperative hospital. Before seeing a doctor, the insured needs to hold a valid insurance certificate and a medical guide.
2. Reimbursement: After seeing a doctor in the hospital, the insured keeps the invoices, receipts, prescriptions and other materials of medical expenses, and then submits them to the insurance company for reimbursement. At the time of reimbursement, the insured shall fill in relevant information and submit necessary materials.
3. Audit: The insurance company will audit the materials submitted by the insured, including whether the hospital cooperates and whether the medical expenses meet the requirements of the insurance contract. After approval, the insurance company will pay the verified fees directly to the hospital or transfer them to the insured's account.