What is the geek insurance for insurance geeks? What's the use?

Geek insurance is an employee insurance service platform for insurance geeks. The enterprise has insured supplementary medical insurance for its employees. They can log in and claim through this official WeChat account, and upload medical documents, prescriptions, medical records and other materials. After submission, they can check the claim progress and claim records in time. It is more convenient for employees to operate. Many insurance companies now offer similar services on their official WeChat or app. For example, for personal or group accident insurance and medical insurance claims, many companies will upload claims data through WeChat to set the quota. Below the limit, you only need to provide electronic photos of invoices, prescriptions, medical records and other supporting materials according to the insurance company's claim list. There is no need to submit paper materials to the insurance company. Very convenient. In order to attract and retain talents and solve the pressure of medical treatment for employees, many units will consider providing welfare protection for group medical care for employees. Brief introduction of group supplementary medical care: it usually includes outpatient service, emergency service and hospitalization. What is guaranteed is that if the insured employees are hospitalized or hospitalized due to accidental injuries or diseases, they will be reimbursed for the medical expenses actually incurred by the employees according to the compensation ratio agreed in the contract after being insured for local public medical care or social security reimbursement. Group supplementary medical care has its limitations. Only the remaining expenses that are not reimbursed by social security can be reimbursed. If the hospital's treatment items and drugs are outside the three categories of social security when employees see a doctor, then supplementary medical care can generally not be reimbursed unless the unit has agreed with the insurance company to expand the second-class drugs and self-funded items other than social security. Therefore, if the company only insured the most basic supplementary medical care and did not expand the self-funded items, it is suggested that employees should consider configuring a commercial medical insurance for themselves, such as millions of medical insurance and mid-to high-end medical insurance. , to solve large medical risks.