Hospitalization health insurance will pay out. The procedure for hospitalization claims is as follows:
1. Notify the company in writing of your claim within 30 days of your admission to the hospital; if you are unable to do so due to environmental constraints, the company will extend the period of time for this notification at its discretion.
2. Upon receipt of the notification of claim, the Company will send or email the Hospitalization Claim Form and a list of relevant claim documents to the guest.
3. Within 90 days, the insured person must submit the "Hospitalization Claim Form" signed by the attending physician and the related claim documents, such as medical records, various examination reports, hospitalization receipts, discharge summaries, etc., to the insurance agent. In exceptional cases, the above process should be completed within 6 months.
4. Once the company receives the claim form and documents, it will start the claim process, which usually takes 5-7 working days.
5. After the claim is successfully settled, the company's finance department will remit the claim payment to the policyholder.
Related knowledge extension reading: what is medical insurance,
Medical insurance is a kind of insurance to compensate for medical expenses caused by diseases. Employees due to illness, injury, maternity, social insurance by the community or enterprises to provide the necessary medical services or material help. Such as China's public medical care and labor insurance medical care. Chinese workers' medical expenses are borne by the state, the unit and the individual **** the same, in order to reduce the burden on enterprises and avoid waste.
Medical insurance, like other types of insurance, also collects medical insurance premiums from people threatened by diseases in advance by way of contract and establishes a medical insurance fund; when the insured is sick and goes to a medical institution and incurs medical expenses, the medical insurance organization will give a certain amount of financial compensation. Therefore, medical insurance also has two major functions of insurance: risk transfer and compensation transfer. That is, the individual by the risk of disease caused by the economic losses shared to all members of the same risk threat, with a concentrated health insurance fund to compensate for the economic losses caused by disease.
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