Although health insurance can't prevent your illness, it can help you get sick without giving up treatment because of lack of money.
The process of handling health insurance is as follows:
1, understand the products and coverage of different insurance companies, and choose the insurance plan that suits you;
2. Fill in the insurance application form and provide personal basic information and health status and other related information;
3, submit the application form and related materials, waiting for the insurance company to review;
4. After the insurance company approves, it will sign an insurance contract and pay the insurance premium;
5. After the payment is successful, the insurance company will issue an insurance policy indicating that the insurance will take effect;
6. When seeking medical treatment, provide insurance policies and relevant certificates, and apply for claims according to the reimbursement process agreed in the insurance contract;
7. The insurance company shall review the claims application, and if it meets the requirements of the insurance contract, it shall make claims according to the agreed proportion.
The contents of medical insurance are as follows:
1. Basic medical insurance: including reimbursement of basic medical expenses such as outpatient service, hospitalization, special diseases and chronic diseases in outpatient service;
2. Maternity insurance: for eligible women, they can enjoy partial reimbursement of medical expenses before pregnancy, pregnancy and childbirth;
3. Work-related injury insurance: employees who suffer from work-related injuries or occupational diseases can enjoy certain medical expenses, work-related injury allowances and reimbursement of rehabilitation expenses;
4. Critical illness insurance: for patients with specific diseases, they can enjoy certain medical expenses compensation;
5. Designated medical insurance: refers to the signing of a designated medical insurance agreement between a medical insurance institution and a medical institution to clarify the service scope, price and service quality of the medical institution and ensure the rational use of the medical insurance fund;
6. Medical insurance payment methods: including payment by time, payment by project, payment by disease, etc. To ensure the effective management and use of medical insurance funds.
To sum up, purchasing health insurance can reduce the economic losses caused by diseases or accidents to a certain extent, and also provide us with a sense of security when we get old, thus reducing the burden of unpredictable risks in the future to a certain extent. However, the purchase of health insurance needs to bear certain economic expenses, so it needs to be purchased within the family budget.
Legal basis:
Article 28 of People's Republic of China (PRC) Social Insurance Law
Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.