One: The reimbursement caused by unexpected medical treatment and unexpected hospitalization can be reported as accident insurance, and the "disease diagnosis certificate" issued by the doctor is required (even if there are accidental injuries, this book will also be written, such as "accidental" falls leading to fractures and "accidental" dog bites. In short, the doctor should be reminded of accident insurance, and he will mark the word "accident", regular invoice and drug list. Some insurance companies may require him to designate a hospital invoice to be effective.
If you are hospitalized, you need a discharge summary and some relevant inspection documents during hospitalization, such as CT.
2. Reimbursement for illness. For claims for serious illness or minor illness of health insurance, as long as it is within the scope of insurance, you can directly pay in advance with the disease diagnosis certificate, and you don't need to wait for treatment before reimbursement with the invoice (anyway, this is the case with China Life Insurance, please pay attention to the terms of other insurance companies).
Hospitalization due to illness is a kind of insurance that can be reimbursed (such as Kangyue High-end Medical Care of China Life Insurance). It can be reimbursed by discharge summary, hospitalization related inspection documents, formal invoices (or receipts after social security reimbursement) and medication list, and the actual compensation will be made according to the reimbursable limit and proportion (so you must know how much compensation can be made under what circumstances).
In addition, as long as you are hospitalized, you can apply for hospitalization allowance according to the discharge summary (if both accident insurance and health insurance have hospitalization allowance, you can apply for hospitalization allowance twice, which does not conflict with hospitalization reimbursement).
3. Compensation for death or disability: Death compensation requires the cancellation certificate of household registration seen by the public security organ, the cremation certificate of the hospital (which is not allowed by objective conditions) and the medical death certificate.
Disability compensation needs to be paid according to the disability appraisal conclusion made by the insurance company in the hospital (so in terms of disability compensation, especially group insurance, which is easy to involve disability compensation, we must find out what the disability evaluation standard is. For example, China Life Insurance is refined into 268 disability assessment standards on the basis of social security disability assessment standards)
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.