Less than 30, do not have history of be in hospital, be protected by insurance company refus however

Because of occupational reason, the sequential impression that to cure the chaos that keep card uses before is the deepest is to buy insurance is protected probably by refus or after be or get out of danger by rejecting claims.

For instance " east river daily " a few case that ever had reported:

Part1

Before before long, mr Jiang fell ill, think of oneself buy overweight disease risk a few years ago, leave hospital backward insurance company offers manage compensate application.

After a few days, mr Jiang received the telephone call of insurance company however, say not to have legal principle compensate. Because Mr Jiang suffers from miocardial infarction, belong to in spite of illness to cast protect, did not inform according to the facts, attribute except responsibility, accordingly, insurance company rejects manage compensate.

Mr Jiang at a draught muddled, oneself fling the body when protecting very good, press a root to do not have what miocardial infarction, how can you be in spite of illness is cast protect? Insurance company expressed to examine the record seeing a doctor of Mr Jiang, once was in a hospital hospitalization.

Mr Jiang understood at a draught, original, the mom of Mr Jiang once because of miocardial infarction be in hospital, mr Jiang protects card to be used to the mother with respect to the medical service that uses his at that time, who knows, because such, he by insurance company rejecting claims.

Part2

Not come singly but in pairs, the unit that Ms. Chen is in organizes employee every year to undertake free check-up, it is a kind of welfare of the unit, last year, ms. Chen was pregnant, do not suit to go check-up, to do not waste free check-up opportunity, ms. Chen lets check-up sheet to her domestic mother-in-law.

Result, ms. Chen is being cast when protecting, be checked have multinomial numerical value to check-up watch insalubrious, was protected by insurance company refus.

Affect not only cast protect, return an influence to see a doctor

Part3

Bovine young lady suffers from ovarian and benign tumor to be admitted to hospital have ovariotomy operation, the cure that those who use is him keeps card. The hospital rejects bovine young lady to be protected into practise medicine however submit an expense account, reason is, the blood test before art, bovine young lady is B blood, and the cure of bovine young lady protects a record to show, she once had sanguification test in other hospital, assay sheet shows is A blood.

Original, bovine young lady once enthusiastic defends medical service card borrows neighbour to open medicine to hospital go to a doctor, this neighbour is A blood. Although bovine young lady undertakes explanatory, but the hospital does not grant to approbate, bovine young lady is helpless derive from fee burden only operation expenses 30 thousand yuan.

This kind of moment, insurance company knows true condition impossibly how, can be with the record of the anamnesis, detailed list that use drug and check-up result only accurate, can be regarded as to have so be handled already toward medical history.

And be in a few days ago, beijing cure protects a center to release an announcement to say, 10 ginseng protect personnel social security to get stuck by out of service 3 years!

Center of office management of insurance of Beijing medical treatment investigates discovery, 10 ginseng protect personnel to card borrows other to use or use social security others social security to block medicine, disobeyed primary medical treatment to be sure to set.

According to relevant provision, the social security card that stops these 10 ginseng to keep staff since November 28, 2017 is used.

According to relevant policy, supervise an examination to stopping charge of calorie of personnel medical treatment to carry out a key, deadline is 3 years. During the key supervises an examination, change settle accounts way, the door that this ginseng keeps personnel happening (urgent) examine and be in hospital kind medical treatment charge, maintain social security by the individual card uses go to a doctor and sum out-of-pocket expense, annual give by the regulation submit an expense account medical treatment charge.

Orgnaization of agency of insurance of relevant area medical treatment is annual April,

According to criminal law the 280th sets, the part that fabricates the card of Id of dweller of falsification buying and selling, passport, social security, driver's license certificate that can be used at proving the identity lawfully 3 years of the following set term of imprisonments, right of privative perhaps politics punishs arrest labor control gold, the clue is in 3 years of above badly 7 years the following set term of imprisonment, punish gold.

So, specific what behavior is to violate of compasses?

6, oneself additionally subtenancy of social security card gives other go to a doctor to also be belonged to violate compasses act.

In addition, those who need a specification is: If you had defended your medical service,card or check-up opportunity borrow other to had been used, what how can you just get insurance company to want to approbate?

Above all, casting when protecting, must signal the case according to the facts, lest be regarded as,in spite of illness is cast protect judgement, affect the manage compensate of likelihood happening directly. The record that use drug cannot be revised, unless evidence proves at that time is others,the medical service that used you keeps card, the case that uses medical person for instance, detailed list that use drug and cure protect card to brush calorie of small bill.

Additional, stem from careful for the purpose of, insurance company still can ask the client wants to appoint a hospital to undertake be checkinged in detail in the round, if the word of all qualification, organic still meeting is cast with standard system protect. Of course, to the risk that cannot decide or cannot judge, can be handled only according to high risk, final result increases cost accept insurance probably namely (increase cast insurance cost to use) , except responsibility or refus are protected.

And for safe to been buy netizen, if do not know to have this kind of case before this, casting card and check-up watch once defended his medical service to borrow other to use before protecting, when giving birth to pathology compensate to oneself, if by refus, can undertake negotiation with insurance company.

For instance cure protects card to had had the record that buys depressor, OK him quote did not suffer from " hypertensive " , offerred in last few years check-up report, indication blood pressure is normal, can protect this guarantee slip probably, but not all disease can carry quote of this kind of means.

If think better use medical service keeps card really, the cost of funds of enlarge sleep deeply, if you are located the city has published relevant policy.

Can protect calorie of individual account remaining sum in order to use medical service to buy portion commerce health to add safeguard nearly to oneself and family! Include medical treatment to nurse danger, serious illness risk, for a long time the product such as safe, accident injury insurance, in the action of risk lever, at this moment 1 yuan of money, 10 yuan are become probably in crucial moment, 100 yuan of flowers.