Generally speaking, commercial medical insurance can be divided into expense type and payment type according to the nature of medical insurance, and can be reimbursed in the following forms according to the type of insurance:
1. Expense-type commercial medical insurance reimbursement: the insurance company first determines the items that can be paid according to the insurance clauses (generally consistent with the scope of social security claims), and after deducting the deductible, pays the reasonable and necessary medical expenses actually incurred.
2. Payment of compensation-type commercial medical insurance: Commercial critical illness insurance is generally paid upon diagnosis, and the insured obtains the insured amount at one time by virtue of the diagnosis certificate issued by the hospital, which ensures that there will be sufficient treatment funds at the first time, so that the follow-up treatment can proceed smoothly; Subsidized insurance is not reimbursed by invoice. As long as you provide proof of surgery or hospitalization (specific product regulations), you can get insurance money from the insurance company.
3. Generally speaking, to apply for reimbursement of commercial medical insurance, the materials to be provided include: a copy of the insured's ID card; Copy of bank card or passbook; Copy of insurance policy; Medical record book; Diagnostic certificate; Discharge summary; Hospital drug master list and original invoice, etc.