First of all, you need a hospital diagnosis.
Insurance experts say that when the insured feels that there are signs of major diseases in his physical condition, he will generally go to the hospital designated by the insurance company for treatment first; In the process of medical treatment, the hospital will diagnose the physical condition of the insured and draw a conclusion whether the insured suffers from a serious illness and what kind of serious illness it is. There is always a confirmation letter for hospital diagnosis, which is an important basis for critical illness insurance claims. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
Second, report the case in time.
Insurance experts said that after the insured is diagnosed with a major disease, he must check the policy to see if it belongs to a major disease specified in the policy. Under normal circumstances, major diseases are basically included in the insurance insured by the insured. Next, the insured should report the case to the insurance company in time, whether before or after hospitalization. After receiving the report, the insurance company will start the claim settlement procedure and make claims.
Finally, prepare the claim information.
Insurance reminder, critical illness insurance claims generally need the following materials: first, diagnosis certificate, outpatient medical record, discharge summary, hospitalization summary, and must provide diagnosis certificates from multiple hospitals at the same time; The second is the receipt of medical expenses, the receipt of hospitalization expenses and the detailed list of hospitalization expenses; Third, pathological, laboratory, imaging, electrocardiogram and other inspection reports need to be stamped with the effective signature of medical institutions. What are the good recommendations for critical illness insurance? I just sorted out the relevant content, hoping to help you: the latest list! Top critical illness insurance list of national insurance companies!
Medical advice
First, you can't claim for non-personal medical expenses. Don't let others do it for you. Here, I also want to remind you that you should carefully check whether the name on the claim invoice is consistent with yourself. If it is inconsistent, it will basically be rejected.
Second, we must know which hospitals are designated in the group health insurance purchased by the company, and we must go to these hospitals for treatment. Not within the specified range, generally no compensation.
Three, in the absence of special agreement, the cost of purchasing drugs outside the hospital pharmacy will not be compensated. If it is really because the hospital pharmacy does not have this medicine, it needs to be purchased outside, and the hospital outpatient office and other departments need to stamp the external seal.
4. Pure asymptomatic prescription: Some employees ask doctors to prescribe some drugs unrelated to their illness when they see a doctor, in case of illness or health care needs. Drugs and related expenses prescribed in this way will not be compensated.
Five, the materials provided should have a medical history consistent with the invoice, only provide the invoice, no medical history or incomplete medical history will also affect the claim.
Six, disease-free physical examination as a routine physical examination, the insurance company will not claim. Therefore, only if the customer has symptoms and meets the scope of reimbursement, the medical examination can get normal claims.
Bao Ge tip: If you are insured with group health insurance, you need to go to the hospital for diagnosis and confirmation. Secondly, you should report the case to the insurance company in time. Finally, you need to prepare the claim information for your claim payment. What you need to pay attention to is that you must go to the hospital designated by the insurance company, otherwise you may not get compensation.