I. Types of expense reimbursement
That is, after the insured pays the medical expenses, he claims from the insurance company with the original receipt and reimburses it within the maximum insurance limit. However, in order to avoid multiple claims, the amount of claims exceeds the actual cost. If the social security has been reimbursed, the insurance company can only make up the difference in expenditure according to the principle of compensation. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
Second, the fixed compensation type
This kind of insurance has nothing to do with the actual medical expenses, and there is no need to provide invoices when making claims. As long as the contracted disease is diagnosed, the insurance company will pay the insured according to the contract.
Three. Type of hospitalization allowance
This is a certain subsidy for the insured to be hospitalized.
Bao Ge tip: According to the above, the claims of commercial medical insurance mainly include three types: expense reimbursement type, fixed compensation type and hospitalization allowance type. Consumers need to choose suitable insurance products according to their actual needs when purchasing insurance, in order to get better protection. For the differences and claims of critical illness insurance, accident insurance, accident insurance and life insurance, I just sorted out the relevant contents, hoping to help you: a detailed introduction of critical illness insurance, medical insurance, accident insurance and life insurance! Claim guide