Take the Ping An hospitalization allowance insurance clause of Ping An Property Insurance as an example. The longest period of hospitalization allowance payment is 90 days. If there are other agreements on the maximum payment days of hospitalization allowance, it must be stated in the insurance policy, and the insured must be hospitalized after the following diagnosis according to the contract. The insurance company subtracts the actual hospitalization days of the insured from the absolute deductible days specified in the insurance policy.
The full name of hospitalization medical insurance is hospitalization medical insurance, which means that the insurer is responsible for the expenses incurred by the insured due to accidents or diseases.
Guarantee content:
1, hospitalization fee guarantee
The hospitalization insurance premium shall be paid according to the actual hospitalization bed fee of the insured, and the daily payment limit and the longest payment days for each hospitalization shall be stipulated.
2, hospitalization fees and operation fee guarantee
The insurance company shall calculate and pay the insurance premium according to the agreed proportion for the incidental expenses and operation expenses incurred by the insured for each hospitalization. Miscellaneous expenses and operation expenses refer to general nursing expenses, medical expenses, treatment expenses, diagnosis and treatment expenses, examination expenses, laboratory expenses, radiation expenses, anesthesia expenses, blood transfusion expenses, oxygen delivery expenses, material expenses and operation expenses. During the validity period of this contract, the insurance company shall pay the insurance premium separately according to the regulations, regardless of one or more hospitalization expenses incurred by the insured. When the accumulated insurance premium reaches the full insured amount, the effectiveness of the contract is terminated.
Second, how to buy hospitalization insurance?
1, consider whether to buy according to personal physical condition, family situation and income situation.
Buying hospitalization insurance should consider the individual's financial affordability, especially within his own affordability.
2. Choose the right insurance company to buy hospitalization insurance.
Because hospitalization insurance is related to the future, it may be necessary to see a doctor and be hospitalized. At this time, the size and strength of the insurance company is very important, because it is impossible to determine where to be hospitalized in the future. At this time, it is necessary to choose a place where insurance companies have many outlets and can quickly obtain claims.
3. Choose the appropriate hospitalization insurance products.
For the choice of hospitalization insurance products, the following aspects are mainly considered:
(1) Can hospitalization insurance be renewed?
Because the hospitalization expenses are relatively large, once used, it may be used frequently in the later period. At this time, it is necessary to consider whether hospitalization insurance can be continuously renewed. After all, hospitalization insurance coverage time is short.
(2) Is hospitalization insurance the main insurance?
Hospitalization insurance cannot be an additional insurance, but must be the main insurance. If additional insurance is purchased, the main insurance should be added as hospitalization insurance. It should also be noted that some main risks are invalid, and the purpose is to affect additional risks.
(3) Hospitalization insurance should be comprehensive, which can protect both accidental hospitalization and illness hospitalization.
When choosing the types of hospitalization insurance, we must give consideration to both accidents and diseases. In other words, when the insured has an accident or is hospitalized, he can apply to the insurance company for compensation.
4. Choose the way to buy hospitalization insurance.
Under normal circumstances, it is best to purchase hospitalization medical insurance offline through the business outlets of insurance companies, because it is more convenient to apply for claims in the future, and there are various vouchers for payment, including services provided by brokers in the later period; If you buy hospitalization insurance through online network, it may be more troublesome to apply for claims, especially when making claims.
Legal basis:
People's Republic of China (PRC) social insurance law
Twenty-eighth medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency treatment and rescue shall be paid by the basic medical insurance fund in accordance with state regulations.
Thirtieth the following medical expenses are not included in the basic medical insurance fund payment scope:
(a) shall be paid by the industrial injury insurance fund;
(2) It shall be borne by a third party;
(three) shall be borne by public health;
(4) Go abroad for medical treatment. Medical expenses that should be borne by a third party according to law. If the third party is unable to pay or cannot determine the third party, the basic medical insurance fund will pay in advance. After the basic medical insurance fund pays in advance, it has the right to recover from the third party.