I bought insurance, and now I have to do surgery to pay for the corneal insurance company?

In fact, the medical insurance card you mentioned is the same as the medical insurance paid by the company, and both refer to the medical insurance part of social insurance. Medical insurance can bear the related expenses, but not much, because the social security protection is actually very thin and cannot be expected too much.

The insurance company's critical illness insurance should not be covered. Except for keratoconus, 28 major diseases of men and 30 major diseases of women are not covered by compensation.

Life insurance will definitely not pay, and accident insurance will not pay. Surgery wasn't an accident.

The only possibility is medical insurance in health insurance. According to what you said, I suggest buying an operation insurance, mainly to pay for the operation. If the related treatment requires long-term hospitalization, you can also consider buying a hospitalization insurance, followed by hospitalization allowance.

But what I'm worried about is whether you will be directly refused insurance if you apply for insurance like this. Because health insurance is subject to strict physical examination. Under the present circumstances, the insured you refer to has keratoconus problems and may need surgery. This fact is most likely learned by the insurance company through physical examination. And even if you don't find it, you should make it clear to the other party in the basic understanding stage before sales. If you don't tell this situation, the other party can completely refuse compensation because you haven't fulfilled the obligation of "telling the truth". Once the other party knows this situation, it is completely possible to refuse insurance; Or substantially increase the premium; Eye disease can also be listed as an exemption clause, which means that all the problems caused by the insured's eyes are not within the scope of insurance liability. No matter which way the other party takes, it is not cost-effective for you.

Insurance companies want to make money, not charities, not fools. Insurance companies are most willing to insure with low risk and high cost, followed by low risk and low cost; If the risk is high and the cost is high, it can be considered; High risk and low cost are absolutely not guaranteed. When you are in trouble now, think about buying insurance. Nine times out of ten, the insurance company will ignore you

You can go to the insurance company for consultation, but I think it's a matter of life and death. Don't get your hopes up.

You can contact me if you have any questions. Good luck!

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.