Can Critical Illness Insurance and Medical Insurance Claim at the Same Time?

If an insured person has taken out a critical illness insurance policy and a medical insurance policy at the same time, there is no conflict in settling claims at the same time, as long as it meets the specifications for settling claims and fulfills the requirements of the insurance contract. Critical illness insurance is usually a fixed amount of compensation immediately after diagnosis, and has nothing to do with the actual cost of treatment; while the compensation of medical insurance generally needs to go through a certain process, the insurance company based on the list of medical treatment, medical certificates and other materials, in accordance with a certain percentage of the compensation. The hospitalization insurance in the medical insurance usually reimburses the medical expenses incurred in the hospital.

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Whether it's an ordinary hospitalization, an accidental hospitalization, or a critical illness hospitalization, as long as it meets the specifications of the claim and satisfies the requirements of the insurance contract, the reasonable costs incurred will be compensated. Even if the insured person has a sudden serious illness, and has already incurred a critical illness insurance claim due to a serious illness, generally will continue to claim the medical expenses incurred due to a serious illness hospitalization, critical illness insurance and hospitalization medical insurance generally does not have a conflict.

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