Had chatted with a lot of friends, major person buys insurance, it is for many safeguard.
But, insurance company is not hall opening kind, buy insurance to bet probability namely actually, insurance company controls a venture, bet you to won't not have an accident, and you bet yourself to may not have an accident, can transform the pecuniary loss of this risk through insurance company.
Some closer year, danger of 1 million medical treatment very fire, because very cheap, lever is tall, annual hundreds of yuan insurance cost, OK and highest submit an expense account the money of 889. About saying very more on advantage net, but everybody also wants to know, there is the thing of perfect on the world. Today, I tell: Danger of 1 million medical treatment has at 4 o'clock not compensate, must write down prison collect!
Danger of 1 million medical treatment not compensate the a bitth: Go to already disease not compensate.
What is to be gone to already disease? Generally speaking, as long as it is the following one of two kinds of circumstances, go to already namely disease, insurance also is not of compensate.
1, have the disease that diagnoses clearly. E.g. : You are being cast before protecting, once had been been by diagnose in the hospital cancer or other disease, such insurance company are not of compensate.
2, the symptom is exclusive, casting this symptom before protecting namely is this disease is exclusive, having this symptom is a problem certainly. For example before the child is sending someone be in hospital has a fever before protecting, it is leukaemia to diagnose later, but cannot say to have a fever certainly leukaemia concerns the symptom, insurance company should compensate pays.
Additional, to be being gone to already disease, li of meeting is told in the health of medical treatment danger very clear rise " be in or once contracted the following disease, will not accord with cast keep a demand " , so this should notice particularly. If do not understand him body situation, record seeing a doctor can be cast protect, consult professional to seek advice finally.
Danger of 1 million medical treatment not compensate at 2 o'clock: Public ability of hospital of 2 class above submits an expense account.
Insurance company also has requirement restriction to the hospital that submit an expense account, if you are to be in civilian battalion hospital to perhaps privately run the hospital is treated, so your medical treatment charge cannot submit an expense account.
Actually, not merely medical treatment danger, resembling is serious illness risk and danger of accident of a few packets of iatrical outside implication, also be right the hospital has what should go. And this kind of limitation, a lot of people can say insurance company cheat.
But!
Today, I say a fair word, the occurrence of this regulation, the problem goes in hospital respect.
Everybody knows, cure protects capital to said every year to go up, and partial hospital is stared at went up these money, collect fees in disorder, associated patient be in hospital is cheated protect, actually news has reported all sorts of measures a lot of times, but still ban repeatedly more than. The most serious is small hospital of villages and towns, with all sorts of private hospitals, civilian battalion hospital.
Cure protects Qiandouke to be able to be cheated, insurance company also is afraid that his money is cheated, restricted directly now so only public hospital of 2 class above undertakes medical treatment ability submit an expense account, and the diagnose of serious illness risk also is the demand that has these hospitals a little.
Danger of 1 million medical treatment not compensate at 3 o'clock: Await period be or get out of danger not compensate
Await period, it is the banker regulation that insurance company bets probability to fall actually, know to arrest some people oneself are about probably to produce a situation immediately namely, buy an insurance next, cover the fund of insurance company directly.
Insurance company, cannot accept of course such. So, set await period inside be or get out of danger, safe not compensate, it is to retreat insurance cost.
And usually, major disease awaits safely period for 90-180 day, of medical treatment danger await period for 30 days. Await period it is from contract become effective day or answer effect day calculate commonly case, apply to year of the first insurance only, to but for add guarantee slip, add protects year to have no longer commonly await period.
Danger of 1 million medical treatment not compensate at 4 o'clock: Cure is protected when submitting an expense account need not
This circumstance, saying well and truly is to be sure to be able to submit an expense account only part, cannot sum submits an expense account. That is to say, buying what fill in when insurance is, oneself have cure to protect or new farming close, but after be in hospital sees a doctor, protect without use cure however submit an expense account first, if submitting an expense account with medical treatment danger directly however, can take amount to occupy only commonly than of 60% submit an expense account paragraph.
So, medical treatment risk is true it is to submit an expense account method is 3 flow:
1, see a doctor charge is protected with cure first submit an expense account
2, exceed cure to protect at one's own expenses, the franchise that looks to whether arrive at medical treatment danger (be medical treatment danger submit an expense account case pay a line, it is commonly 10 thousand)
3, if exceed franchise at one's own expenses, so that share cash that exceed, can submit an expense account with medical treatment danger
Actually as a whole, the occurrence of medical treatment danger is to make up for what our cure protects to submit an expense account limitation, e.g. the entrance medicine, target is mixed to medicine a few do not protect in cure submit an expense account of catalog at one's own expenses medicine is waited a moment.
