That is to say, medical equipment reimbursement must meet at least two conditions:
①Must be purchased in the hospital, and there must be an invoice issued by the hospital
②Must be a "medical need" of the device, in the actual claims, "medical need" is usually interpreted as a cure for the disease, "medical need" is usually interpreted as a cure for the disease. "is usually understood to be the treatment of disease, does not include health care, rehabilitation, beauty, plastic surgery and other non-therapeutic purposes.
And there is also a very clear disclaimer in the exclusion clause of the insurance contract (the exclusion means which expenses cannot be reimbursed): "The cost of medicines and equipment not prescribed, medical expenses incurred for preventive, rehabilitative, health care or non-disease treatment programs"
Drawing the line: there is no hospital prescription The cost of medicines and equipment is not reimbursed without a hospital prescription, regardless of whether they are medicines or equipment or devices. The preventive, rehabilitative, and healthcare non-therapeutic programs will not be reimbursed!
So, no matter whether you buy accident insurance or medical insurance, you can't be reimbursed for self-purchased rehabilitation equipment.
But, but if you buy an accident insurance, you can go to the personal disability appraisal department for disability appraisal. Even if you can assess a 10-level disability, you can still be compensated 10% of the sum insured, which is considered to cover the cost of rehabilitation.
Personal disability level and accident insurance compensation ratio
10 grade disability (work and study ability is reduced): compensation for 10% of the sum insured
9 grade disability (work and study ability is reduced): compensation for 20% of the sum insured
8 grade disability (intermittent work): compensation for 30% of the sum insured
7 grade disability (work time needs to be significantly shortened): compensation for 40% of the sum insured
This is the first time that a person has to work for a long period of time, and it is the first time that he or she can work for a long period of time. ): 40% of the sum insured
Grade 6 Disability (unable to perform the same job): 50% of the sum insured
Grade 5 Disability (restriction of activities, limited to activities within the immediate vicinity): 60% of the sum insured
Grade 4 Disability (restriction of activities, limited to activities within the area of the residence): 70% of the sum insured
Grade 3 Disability (restriction of activities, limited to activities indoors): 80% of the sum insured
Grade 7 Disability (need to work for a significantly shorter period of time): 30% of the sum insured indoor activities): 80% of the sum insured
Grade 2 disability (limited to activities in bed or chair): 90% of the sum insured
Grade 1 disability (bed-ridden with limited activities): 100% of the sum insured
Life insurance "four-piece"
Accidental insurance: accidental Accident insurance: reimbursement of medical expenses + accidental disability compensation
Medical insurance: reimbursement of hospitalization medical expenses
Critical illness insurance: reimbursement of rehabilitation expenses after discharge from the hospital + loss of income during the period of illness
Term life insurance: a sum of money to be paid to the family after the death of a person
The "four-piece suit" is responsible for different risks, with different roles to play. Different roles, generally in the configuration of the insurance should be 4 pieces of matching, so that no matter what loss occurs, you can get insurance compensation. I hope my answer is helpful to you, insurance you do not understand, feel free to ask me.