Hello! Long-term health insurance should first report to the insurance company in time after the insurance accident. The insurance company shall verify the application for insurance payment and the certificates and materials agreed in the contract in time, and verify it within 30 days if the situation is complicated. Secondly, pay attention to the situation and avoid compensation. Commercial medical insurance stipulates the deductible. If your medical expenses are lower than the deductible, you can't get compensation. Therefore, the insured should carefully read the long-term health insurance clauses to understand which ones should be insured and which ones should not be insured. Thirdly, the insurance company will process the results of long-term health insurance claims within a few working days. If the claim conclusion is established, the insurance company will determine the claim amount according to the actual medical expenses incurred by the insured and the compensation ratio agreed in the insurance contract. Finally, the insured gets the claim amount.
If you buy long-term health insurance products, we will provide you with claims assistance, guide you to prepare claims materials, and provide legal assistance when necessary to fight for the legitimate rights and interests of the insured.