2. In the hospitalization medical insurance, the insurer is generally not responsible for the following expenses: (1) hospitalization medical expenses caused by war, military operations, violence, nuclear radiation; (2) childbirth, abortion, miscarriage, home hospital beds, inpatient hospitalization costs; (3) fights, assaults, illegal, intentional behavior caused by medical expenses; (4) due to physical defects or diseases inherited from before the insurance disability and hidden diseases at the time of the insurance. (4) Medical expenses incurred as a result of disability caused by physiological defects or diseases inherited before enrollment and concealed at the time of enrollment; (5) Drugs paid for at one's own expense as stipulated by the basic medical insurance; (6) Hospitalization expenses incurred for beds, meals, companion, compensation, heating, registration, ambulance, stretcher, prosthesis, and lost wages caused by hospitalization; (7) Hospitalization expenses incurred during the health observation period; (8) Hospitalization expenses incurred in non-public medical care; (9) Hospitalization expenses incurred during the period of hospitalization. Hospitalization medical expenses;
3. The insurance period of hospitalization medical insurance is generally one year. The insured person's hospitalization during the insurance period, the amount of each benefit is agreed upon at the time of enrollment, and no reimbursement will be made if it exceeds the insured amount (the reimbursement can be repeated several times within one year, each time up to the insured amount, with an observation period of 90 days between intermediate intervals). The insured person who is hospitalized across insurance years and renews his/her policy on time, his/her hospitalization medical expenses will be covered by the original policy or the new policy, respectively, according to the actual time of occurrence.
Question 2: Is there any insurance for hospitalization for illnesses, hospitalization for illnesses in terms of medical care Hello!
In real life, once the sudden illness, even with medical insurance, but the high cost of medicine is still difficult for many families to bear. When the basic medical insurance can not meet the higher needs, the need for commercial medical insurance. Currently, there is a wide range of medical insurance products, each with its own coverage, which can be summarized into 4 major types of insurance.
General medical insurance, generally underwritten as a group insurance or as a rider to individual long-term life insurance, pays benefits in the form of compensation, but with a maximum limit each time.
Accidental injury medical insurance, responsible for the insured's medical expenses due to an accidental injury. The amount of insurance can be the same as the basic insurance, or can be agreed separately, generally using the compensation method of payment.
Hospitalization medical insurance, responsible for the insured person due to illness or accidental injury requires hospitalization of medical expenses, but is not responsible for the insured person's outpatient medical expenses. Benefits can be paid either on a reimbursement basis or on a flat-rate basis.
In addition, there is also surgical medical insurance, which is a single medical insurance and is only responsible for the medical expenses incurred by the insured as a result of performing surgery. It can be covered on its own or as a rider to an accident or life insurance policy. The benefit can be in the form of an indemnity benefit or a flat rate benefit.
Question 3: What does Accidental Sickness Hospitalization Medical Insurance mean? Does it cover illness?
Question 4: What is the difference between critical illness insurance and hospitalization medical insurance? As long as the diagnosis is made by a specialist doctor, the insurance company will pay directly. Hospitalization medical, is the nature of the reimbursement, first see their own doctor, and then go to the insurance company claims, reimbursement. These two types of insurance is best combined together, so that as long as the hospitalization can be claimed, the hospitalization of minor illnesses can be reimbursed, and then focus on the specific ten kinds of can be given to 20% of the sum insured, and then 80% of the major diseases, and if you do not have a major disease, to 100% of the sum insured.
Question 5: What is the difference between critical illness insurance and hospitalization medical insurance? 20 points The major disease insurance is the nature of payment, as long as the diagnosis by a specialist doctor, the insurance company directly pay. Hospitalization medical, is the nature of reimbursement, first their own doctor, and then go to the insurance company claims, reimbursement. These two types of insurance is best combined together, so that as long as the hospitalization can be claimed, hospitalization can be reimbursed for minor illnesses, and then focus on the specific ten kinds of can give 20% of the sum insured, get a major disease and then give 80%, if you do not get a major disease, give 100% of the sum insured.
Question 6: Ping An accidental medical insurance and hospitalization for diseases What do you mean Accidental medical responsibility is including outpatient and hospitalization *** with 5000, but the specifics still depends on the description of the contract of this type of insurance.
You can directly call the insurance customer service to confirm the description of the specific terms.
Question 7: What does health insurance cover? 1. General medical insurance
General medical insurance provides the insured with general medical expenses related to the treatment of disease. It mainly includes outpatient costs, medicine costs, examination costs, and so on. This type of insurance has a lower premium cost and is more suitable for the general public. Because of the difficulty in controlling expenditures for medicine and examination costs, this type of policy generally has a deductible and cost-sharing provision, whereby the insurer pays a certain percentage of the portion above the deductible, and the cost of insurance is set once a year. The insurer is no longer responsible for expenses incurred for each illness that accumulate to more than the insured amount.
2. Hospitalization Ridge
Since the costs incurred for hospitalization are often high, hospitalization expenses are covered as a separate insurance policy. The main cost items of hospitalization insurance are daily hospital charges (bed charges), costs of utilizing hospital equipment, surgical expenses, medical expenses, etc. The length of hospitalization will have a direct impact on the cost of hospitalization. The length of the hospitalization period will have a direct impact on its cost, so the amount of this insurance should be based on the patient's average hospitalization cost. In order to control unnecessarily long hospitalization, hospitalization insurance generally stipulates that the insurer is only responsible for a certain percentage of all costs, not all of them.
3. Surgical insurance
This type of insurance provides for the full costs incurred by the patient for necessary surgery.
4. Comprehensive medical insurance
Comprehensive medical insurance is a comprehensive medical expense insurance provided by the insurer to the insured, which covers all expenses incurred for medical treatment and hospitalization, surgery, etc. The premium for this type of policy is higher. This type of policy has a higher premium. A low deductible is generally established along with appropriate sharing ratios.
5. Specialty Disease Insurance
Certain specialty diseases often bring catastrophic cost payments to the patient, which are difficult for the average residential family to bear. For example, cancer, heart disease, etc. Therefore, people usually require such policies to have a relatively large sum insured to be sufficient to cover the various expenses incurred by them. The major diseases for which coverage is provided to policyholders can be single, such as malignant tumors, or even certain types of cancers among malignant tumors; or multiple, listing several agreed major diseases, such as malignant tumors, myocardial infarction, uremic poisoning, vital organ transplantation, tetraplegia, cerebral stroke and coronary artery bypass grafting surgery, and so on. Once 180 days after the effective date of the insurance policy, the insured person is diagnosed by a certain level of hospitals with the major diseases agreed in the policy, you can apply to the insurance company to pay the full amount of insurance, the insurance liability will be terminated.
Question 8: What is the scope of the Ping An insurance hospitalization medical insurance? First of all, to determine whether there is a hospitalization insurance attached to Ohio, in addition to determining how many copies were insured at the time. The first thing to do is to make sure that you have a good deal of money to pay for the hospitalization. As long as you have an insurance policy, you will be able to make a reasonable claim based on the contents of the insurance policy! If you want to start insuring your mother now, I'm afraid you won't be able to do it through the company.
Question 9: What is the difference between hospitalization benefit insurance and hospitalization medical insurance? Hospitalization Benefit Insurance reimburses for the number of days of hospitalization, while Hospitalization Medical Insurance reimburses for the medical expenses.
Question 10: What are the illnesses covered by the medical insurance? The illnesses covered by the medical insurance are not only those illnesses, but also the special fund that is activated when the medical expenses exceed the reimbursement limit of the basic medical insurance.
In general, the basic medical insurance reimbursement ceiling is 80,000 yuan, the reimbursement of more than 80,000 yuan part of the reimbursement will be used to reimburse the major medical insurance. The general reimbursement limit of the medical insurance is 18 million. The total **** can be reimbursed 260,000 yuan for the basic medical insurance + medical insurance. It seems a lot, but if you really need to be reimbursed up to 260,000 yuan, the actual cost will be more than 400,000 yuan. Because major diseases are now dependent on imported drugs, most of these drugs and treatment costs are out-of-pocket.