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Data:2009-12-12 2:34
She has eye injury in an accident due to retinal detachment in hospital. Medical expenses, there are more than 7,000 yuan range of medical insurance reimbursement, and the rest is over 3,000 yuan in the intensive care unit stay and the use of imported drugs at their own expense part. She has had the insurance companies were insured in A and B integrated medical insurance plan insurance personal insurance, hospitalization costs.
After leaving the hospital She has been going to A insurance claims and was told some at their own expense does not belong to the insurance coverage and, ultimately, medical insurance and security within the ceiling of that part of the next payment. After She has gone to apply the same insurance company B claims, B replied that the company only within the framework of medical insurance claims, A company has claims other than that part of the amount, must register only 3 yuan. She has cast doubt on this: the same is to buy an insurance policy, why A company made a loss adjuster, B is no longer claims the company out?
In general, the insurance provisions under the Insurance Companies, and only used by the insured person's medical treatment expenses in line with publicly-funded health care, labor claims and the reimbursement conditions of social health insurance, the insurance company will compensate the costs exceed the insurance coverage is also not in the business insurance coverage. Therefore, the two companies at their own expense exclusions portion of medical expenses is reasonable and legitimate.
Why A company, after claims, B is no longer claims the company out? It is understood that the medical insurance on the market today, there are two: one is the type of insurance reimbursement, a type of insurance is a subsidy. Reimbursement-type insurance according to the actual medical expenses claims, follow the principle of compensation insurance. That is, when the insured person's medical expenses have been in one place, such as other insurance companies, or social security, or the unit for reimbursement, after compensation, you can not exceed the actual expenditures from the insurance company to obtain compensation for the excess.
Allowance-based insurance is not necessary to follow the principle of compensation, as long as surgery or hospitalization occurs, you can file a successful claim from the insurance companies; if the insurance companies, you can receive compensation payments from the companies.
She has been in the A and B insurance companies insured the cost reimbursement-type of medical insurance, access to A Company's claims, naturally no longer receive compensation from the B company. In fact, she belongs to B to repeat the company's medical insurance, insurance, that is, more than Paul, although more than pay the premium and did not play a more practical role.
She has been recommended to check the existing insurance coverage, cost reimbursement type of health insurance insurance companies in a just one is enough to subsidize insurance scheme for more than type it anyway. She has been in the B's can be insured individuals hospital charges the insurance stopped, saving part of the premium, or turn into a subsidy-based health insurance in order to play a greater role.
