As people’s requirements for medical quality increase, world-class private hospitals with good services, good experience, and strong privacy, as well as special needs international departments of public hospitals, are becoming more and more popular. Faced with high medical expenses, social security and ordinary commercial medical insurance can no longer meet the needs in terms of insurance coverage, convenience, and services, so high-end medical insurance has naturally entered the public's attention. Regarding the guide to medical insurance reimbursement, I have just compiled relevant content. I hope it will be helpful to you: How to use social security and medical insurance? This article teaches you the reimbursement application process!
No, the newly launched high-end medical insurance "Enjoy Life" by Cigna Merchants is very popular, and many policyholders have purchased this insurance product. However, before insuring this product, you need to read clearly some of the product’s terms and conditions, such as the more important renewal terms. It is the right choice to apply for insurance after understanding this information. Now let me introduce to you how to renew Cigna Pure Life high-end medical insurance and what are the renewal conditions! What kind of good medical insurance is there? Which one is worth buying? Take a look at this year’s top 10 best-selling insurance policies from insurance companies: What are some good medical insurance recommendations? An inventory of the top 20 best-selling high-quality medical insurances in 2020
1. How to renew the Chunxiangsheng high-end medical insurance
? The Chunxiangsheng high-end medical insurance contract is non-guaranteed for renewal. Let me tell you how to renew the warranty for this product.
1. If the insurance company believes that the insurance contract meets the conditions for renewal, the insurance company will issue a renewal notice to the policy holder at least one month before the policy anniversary, and at the same time inform the policy holder of the payment required after renewal. insurance premiums and renewal coverage conditions. Which insurance company is the best? I just compiled the relevant content. I hope it will be helpful to you: the latest list! Ranking of the top ten insurance companies in the country
2. If the policyholder wishes to change the coverage or remove special liability exemptions after receiving the renewal notice, the policyholder should notify the insurance company at least 14 days before the policy anniversary. And according to the requirements of the insurance company, truthfully inform the insured of the health status so that the insurance company can re-evaluate the underwriting conditions and insurance premiums for the renewal of the insurance contract.
3. If the insurance company reviews and approves and the policy holder clearly confirms to the insurance company that he or she agrees to renew the policy before the policy anniversary, the policy holder shall pay the renewal insurance in one lump sum within 30 days from the policy anniversary. fee, the insurance contract will be renewed for one year from the policy anniversary date. The insurance company will assume insurance responsibilities in accordance with the new insurance contract, including insurance policy, insurance clauses, protection benefit table, etc.
2. Under what circumstances will the insurance contract not be renewed?
There are certain conditions for the renewal of Chunxiangsheng’s high-end medical insurance. Under what circumstances, the insurance contract will not be renewed? What about insurance? Let’s take a look below:
1. The insurance company believes that the insurance contract does not meet the renewal conditions;
2. The policy holder does not agree to renew the policy;
3 . The policy holder fails to pay the renewal premium within 30 days from the policy anniversary date;
4. If the product has been discontinued, the insurance company has the right not to renew the policy;
5. If the policy holder has outstanding amounts to be recovered before the policy anniversary date, the policy renewal will not be carried out in time or the policy cannot be renewed.
3. What amounts should be recovered?
Speaking of this, many people still don’t know what specific amounts should be recovered. Now, let me tell you in detail:
1. If the insured uses the direct payment service, but the amount billed by the hospital, licensed doctor or clinic to the insurance company is not covered by the insurance company. Part of this should be borne by the insured, including the following situations:
(1) Expenses that do not require pre-approval but are not covered by the insurance contract;
(2) If pre-approval is required, the insured fails to do so or fails to pass pre-approval;
(3) If pre-approval is required, and the insured fails to truthfully inform the pre-approval, the insurance company will The information truthfully informed agrees to the pre-approval.
2. If the insurance contract should be terminated due to intentional or gross negligence when applying for insurance, all claims paid by the insurance company after the insurance contract takes effect and direct payment services will cause the insurance company to For payments required to hospitals, licensed doctors or clinics, the insured shall refund the corresponding fees to the insurance company.
3. If re-underwriting is carried out due to failure to truthfully inform the insurance company when applying for insurance, all claims paid by the insurance company that the insurance company should not bear according to the re-underwriting decision and direct payment services will cause the insurance company to For payments required to hospitals, licensed doctors or clinics, the insured shall refund the corresponding fees to the insurance company.
4. For insurance benefits that have been paid by the insurance company, payments and other expenses that the insurance company will have to pay to hospitals, practicing doctors or clinics due to direct payment services, the insured should receive relevant information from the insurance company. Return it to the insurance company within 30 days from the date of notification.
5. When the insurance company stipulates in the insurance contract that the above-mentioned recoverable amounts exist when the insurance company pays the insurance premium or returns the unexpired net premium, the insurance company will first deduct the recoverable amount under the insurance contract. If the amount to be recovered is not deducted in full, the insurance company reserves the right to pursue recovery through other means. The above are the renewal conditions, how to renew the insurance and some matters related to the renewal in the terms of Cigna Pure Life high-end medical insurance. This is related to the subsequent protection of the policy holders. I hope all policy holders can know it in advance.