1, which does not meet the claim threshold: the deductible of 1 10,000 yuan is usually set for millions of medical insurance, and the insurance company will reimburse the part above the deductible;
2. Failure to seek medical treatment in designated hospitals: the scope of medical treatment will be agreed in the terms of medical insurance products;
3. Danger of waiting period: The waiting period is also called exemption period. During the waiting period, the insurance company will not compensate for reasons other than accidents. The waiting period for millions of medical insurance is generally 30 days, 60 days and 90 days;
4. Failure to tell the truth: health information is needed before insurance. If the insured fails to tell the truth when applying for insurance and deliberately conceals it, then the insurance company will not pay afterwards;
5. No repeated reimbursement: Millions of medical insurance is a reimbursement insurance product, and the same medical expenses can only be paid once;
6. Medical expenses incurred outside the insurance period: The protection period of millions of medical insurance is usually one year. If the product fails to renew its warranty upon expiration, the insurance company will not compensate the medical expenses incurred outside the warranty period. However, if the insurance expires and the treatment of the insured has not yet ended, whether the reimbursement can continue depends on the provisions in the insurance clause;
7. Exemption clause does not compensate: the content in the exemption clause is also the case that insurance is not guaranteed. In addition to the routine exemption, some products will also agree not to pay the expenses related to occupational diseases, pregnancy or childbirth;
8. Expenses not covered: Although the coverage of this kind of products is wide, the coverage of different products is different. For example, there is no responsibility for outsourcing drugs, and special drug insurance companies purchased in hospitals other than diagnosis and treatment do not compensate;
9. Past illness: The insured's existing illness insurance company will not pay before insurance. The previous million-dollar medical insurance was very strict with previous diseases, and some symptoms may refuse to pay according to previous diseases. However, there are new regulations in China Banking and Insurance Regulatory Commission, which require a new definition of past diseases and a clear diagnosis by doctors.