The specific reimbursement process and conditions shall be determined according to the insurance terms and regulations of Bao Hui. Generally speaking, the reimbursement process includes preparing relevant materials, submitting reimbursement applications, reviewing and settling claims.
I. Understand the insurance clauses of Bao Hui.
Before applying for reimbursement of hospitalization expenses, you need to know the insurance terms and regulations of Bao Hui in detail. This includes insurance coverage, reimbursement ratio, reimbursement limit, deductible, etc. , to ensure that your hospitalization expenses are eligible for reimbursement.
Second, prepare relevant materials.
1. Hospitalization invoice: Ensure that the invoice is clear and complete, including hospitalization date, expense details and other information.
2. Diagnosis certificate: a diagnosis certificate issued by the hospital to prove the necessity and reason of hospitalization.
3. ID card and social security card: Provide valid ID card and social security card to verify personal identity and insurance information.
4. Other materials: According to the specific requirements of HU Huibao, it may be necessary to provide other relevant materials, such as medical records and drug lists.
Third, submit an application for reimbursement
1. Online application: Apply online through Huxibao official website or mobile app, fill in relevant information and upload the required materials.
2. Offline application: Go to the designated insurance service outlets or hospital windows and submit the reimbursement application and related materials.
Four. Review and settlement of claims
1. Material review: The insurance company will review the submitted materials to verify their authenticity and completeness.
2. Claim decision: After approval, the insurance company will make a claim decision according to the insurance terms and regulations.
3. Claim payment: After the claim decision takes effect, the insurance company will pay the claim according to the agreed method, which can be directly transferred to the personal bank account or paid to the designated medical institution.
To sum up:
Hospitalization can be reimbursed by Bao Hui, but the specific procedures and conditions need to be determined according to the insurance clauses. Before applying for reimbursement, you should know the insurance clauses in detail, prepare relevant materials and submit the application according to the prescribed procedures. After the examination and settlement decision, the eligible hospitalization expenses shall be reimbursed accordingly.
Legal basis:
People's Republic of China (PRC) insurance law
Article 23 provides that:
The insurer shall, after receiving the request of the insured or beneficiary for compensation or payment of insurance benefits, give it timely approval; If the situation is complicated, it shall be approved within 30 days, unless otherwise agreed in the contract. The insurer shall notify the insured or beneficiary of the verification result; For the insured, the obligation to compensate or pay insurance money shall be fulfilled within ten days after reaching an agreement with the insured or beneficiary. If the insurance contract stipulates the time limit for compensation or payment of insurance benefits, the insurer shall perform the obligation of compensation or payment of insurance benefits as agreed.
People's Republic of China (PRC) social insurance law
Article 30 provides that:
The following medical expenses are not included in the payment scope of the basic medical insurance fund:
(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.