In the face of rising medical costs, people like to buy insurance to increase protection for themselves, especially commercial medical insurance, but it is not to say that all medical items can be reimbursed after the unfortunate suffering from a serious illness, there are some medical items can not be reimbursed. But each insurance company's commercial medical insurance does not reimburse the project is also different, and provinces and provinces are different, reimbursement project is also different, now let us understand some common general commercial medical insurance does not reimburse the project it. Which is the best insurance company, I just happened to organize the relevant content, I hope it will help you: the latest list! Top 10 insurance companies in the country
What are the items that are not reimbursed by commercial major medical insurance
According to the regulations, there are some medical items that are not reimbursed by the commercial major medical insurance, such as the following ones:
1. Service items category. Registration fee, out-of-hospital consultation fee, medical record cost. The fee for consultation, expedited examination and treatment, surcharge for named surgery, quality premium fee, and special medical services such as hiring special nurses.
2. Non-disease treatment programs. A variety of beauty, fitness programs and non-functional cosmetic and orthopedic surgery; a variety of weight loss, weight gain, height projects; a variety of health checkups; a variety of preventive, health care treatment programs (except perinatal care); a variety of medical consultation, medical appraisal. For the issue of buying insurance medical examination, I just happened to organize the relevant content, I hope to help you: before buying insurance, in the end, do you want a medical examination?
3, diagnostic and treatment equipment and medical materials category. For example: the application of positron emission tomography device (PET), electron beam CT, ophthalmic excimer laser treatment instrument and other large-scale medical equipment for the examination and treatment program; glasses, dentures, eye prostheses, prosthetic limbs, hearing aids and other rehabilitative appliances; a variety of self-use of health care, massage, inspection and treatment equipment; according to the provisions of these diagnostic equipment and medical materials are not individually chargeable for the disposable medical materials.
4, treatment program category. For example, there are: all kinds of organ or tissue transplantation; in addition to kidney, heart valve, cornea, skin, blood vessels, bone, bone marrow transplantation, other organs or tissues; myopia orthopedic surgery; qigong therapy, music therapy, health care of nutritional therapy, magnetic therapy and other complementary therapeutic projects.
5. Others. Various infertility (pregnancy), sexual dysfunction treatment programs; various scientific research, clinical verification of the treatment program.
6. Transportation fee for consultation (referral), emergency vehicle fee; air-conditioning fee, TV fee, telephone fee, children's warming box fee, food warming box fee, electric stove fee, refrigerator fee, and compensation for damage to public property; accompanying fee, escort fee, cleaning fee, outpatient decoctions; meals; recreational activities, and other special needs of the cost of living services.
7. In case of treatment abroad or in Hong Kong, Macao Special Administrative Region or Taiwan, the medical expenses shall be paid by the individual in accordance with national and provincial regulations.
8. Those who seek treatment at non-designated medical institutions of the Urban Residents' Medical Insurance and the New Rural Cooperative, except for emergency treatment.
9. Other items stipulated by the state and province.
The above is the introduction of the items that are not reimbursed by the commercial catastrophic insurance, and finally also reminds everyone to buy the commercial catastrophic insurance, make sure to choose the right insurance products according to their actual situation. If there is no social security consumers or should first choose the cost of major medical insurance, first protect the needs of medical expenses; has participated in the basic social health insurance consumers can choose a lump-sum payment type of major illness insurance. For the health insurance reimbursement strategy, I happen to have organized the relevant content, I hope to help you: social security health insurance how to use? An article to teach you to apply for the reimbursement process!
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