The problem of insurance designated hospitals, the scope of hospitals, is it only the accident insurance of local hospitals, what does reimbursement in the social security catalogue mean? Each compens

The problem of insurance designated hospitals, the scope of hospitals, is it only the accident insurance of local hospitals, what does reimbursement in the social security catalogue mean? Each compensation 100 yuan. Most of the designated hospitals for commercial insurance refer to public hospitals above the second level, and medical treatment in these hospitals can only be reimbursed. Sometimes which hospitals can't be reimbursed will be listed in the terms.

Commercial insurance pays for the whole country, which is not limited to where to treat, and supports medical treatment in different places.

Every place has its own "social security drug list", which is generally coordinated at the municipal level. Only drugs that belong to the list can be reimbursed, and those that do not belong can only be reimbursed at their own expense. Sometimes the doctor will tell you personally that this medicine is effective, but it will not be reimbursed.

Many medical insurance products have deductibles. Reimbursement for each visit is 100 yuan, that is, the cost of each visit is reduced by 100 yuan, and the rest is reimbursed. Medical insurance follows the principle of compensation, such as 100 yuan for each deductible, and the expenses that can be reimbursed each time = (actual treatment expenses-social security reimbursement-deductible is 100 yuan-uncompensated part of the contract) * reimbursement ratio.

What is the accident in insurance? Accidents refer to "non-disease, unintentional and unexpected" accidents. As long as they are caused by such accidents, they belong to the scope of accident insurance claims. The above four points are the four conditions that constitute the accident, and they are all indispensable. Accidents usually lead to two outcomes, 1, medical treatment, and 2, physical injury (disability or death). Most free products only include traffic accident liability, so everyone must see it clearly.