Critical illness medical insurance is to ensure that the insured can get a certain degree of reimbursement of medical expenses when suffering from a major disease. The steps to inquire about medical insurance for critical illness mainly include the following aspects:
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First, understand the types of medical insurance for critical illness
There are many kinds of medical insurance for critical illness, and the coverage of diseases, reimbursement ratio and reimbursement amount may be different. Before inquiring, you need to know the specific types and policies of medical insurance for critical illness.
Second, access to medical insurance related information.
Before the inquiry, collect and sort out information related to critical illness medical insurance, including insurance contract, policy number, basic information of the insured, etc. These data are very important for the subsequent inquiry and claim settlement process.
Third, contact the customer service of the insurance company
Contact the customer service of the insurance company by telephone, online customer service or going to the business outlets of the insurance company. Provide relevant information and consult the specific inquiry process and conditions of serious illness medical insurance.
Fourth, query the policy information.
The customer service of the insurance company will assist the insured to inquire about the policy information of critical illness medical insurance, including the insurance start and end date, insurance amount, reimbursement ratio, etc. You can also check online through the insurance company official website or APP.
Verb (abbreviation of verb) verification of medical expenses
After a serious illness, you need to keep relevant medical bills and reports. Organize and verify these expenses to ensure that they meet the reimbursement conditions of serious illness medical insurance.
Sixth, apply for reimbursement.
After meeting the reimbursement conditions stipulated in the insurance, you can apply to the insurance company for reimbursement. Usually, you need to fill out an application form for reimbursement, attach the original bills and reports related to medical expenses, and submit the application by mail or online.
Seven. Pending review and settlement.
The insurance company will review the application for reimbursement to ensure compliance with the insurance contract. Once approved, the claim will be settled and the compensation will be transferred to the insured's account.
To sum up:
The steps of inquiring about critical illness medical insurance involve understanding the types of insurance, obtaining relevant information, contacting customer service of insurance companies, inquiring about policy information, verifying medical expenses, applying for reimbursement, waiting for review, and making claims. In this process, the insured should pay attention to provide accurate information, keep relevant medical bills, and rationally use legal basis to ensure that their rights and interests are protected.
Legal basis:
In the process of inquiry and settlement of medical insurance for serious illness, the relevant legal basis mainly involves People's Republic of China (PRC) Insurance Law and other laws and regulations.
1. Article 57 of the Insurance Law of People's Republic of China (PRC) stipulates that the insurer shall pay the insurance premium according to law.
2. Article 59 of the Insurance Law of People's Republic of China (PRC) stipulates that the insurer shall pay the insurance premium within the agreed time limit.