1. Beijing Pratt & Whitney Health Insurance is a kind of commercial Pratt & Whitney supplementary medical insurance. If the insured has basic medical insurance (including medical insurance for urban workers and medical insurance for urban and rural residents, etc.) in Beijing, they can be insured if they are in the insured state. Jingpuhui Health Insurance belongs to Pratt & Whitney Commercial Supplementary Medical Insurance, so it is also launched by insurance companies. The products are jointly underwritten by PICC P&C Insurance, Ping An Property Insurance, China Life Insurance, Pacific Life Insurance and Taikang Property Insurance. In addition, Beijing Pratt & Whitney Health Insurance is a product jointly directed by Beijing Medical Insurance Bureau and Beijing Local Financial Supervision Administration, and also supervised by Beijing Supervision Bureau of China Banking Regulatory Commission.
Second, Beijing Pratt & Whitney Health Insurance has relaxed its requirements, and there are no restrictions on age, occupation and health status. You can insure against illness and compensate for past diseases, but the threshold of claims for specific people with past diseases is particularly high and the proportion is low.
There are three ways to handle claims:
The insured can bring relevant materials for claim settlement to the offline branch of Beijing Pratt & Whitney Health Insurance Service Center to apply for claim settlement.
The insured pays attention to insurance companies such as "Beijing Pacific Life Insurance" and "Taikang Life Insurance" WeChat official account to apply for claims, or calls the official customer service hotline for consultation.
Contact your insurance broker as soon as you get out of danger. He (she) knows all your medical insurance, will remind you of the relevant precautions for medical treatment, assist in preparing claims materials, and will help you properly handle claims when you encounter problems.
According to the principle of medical insurance compensation, the highest reimbursement ratio of government medical insurance, basic medical insurance, medical assistance+other commercial insurance+Beijing Pratt & Whitney Health Insurance shall not exceed the actual medical expenses.
When making claims, the application for liability claims in medical insurance needs to be applied after reimbursement for serious illness; You can apply for accumulated liabilities other than medical insurance after exceeding the deductible. If the relevant medical expenses compensation has been obtained from any third party (commercial medical insurance), the original medical expenses split sheet or medical expenses settlement certificate of the commercial insurance institution or other third party shall be provided.