First of all, make sure that the hospital where you are hospitalized is within the scope of reimbursement. For example, if you are hospitalized for the first time this year, there is a deductible line for hospitalization reimbursement: 130 yuan. If you exceed the deductible line, the hospital will directly settle the reimbursement without going to the medical insurance center for reimbursement.
According to the regulations, you have to register for medical insurance within 24 hours of hospitalization. This makes it easy for hospital departments to reimburse accounting expenses, which is a mandatory rule.
Whether there is commercial medical insurance, commercial medical insurance does not have this restriction.
You can also ask the doctor if you can get out of the hospital first, then stay in hospital and apply for medical insurance again.
In-hospital medical insurance cannot be reimbursed if it is not registered for more than three days, and it needs to be paid at its own expense.
Legal basis:
Regulations on the supervision and administration of the use of medical insurance funds
Article 8
The use of medical insurance funds shall conform to the scope of payment stipulated by the state. The scope of medical insurance fund payment shall be formulated by the administrative department of medical insurance in the State Council according to law. The people's governments of provinces, autonomous regions and municipalities directly under the Central Government shall, in accordance with the authority and procedures prescribed by the state, supplement the specific items and standards paid by medical security funds within their respective administrative areas and report them to the administrative department of medical security of the State Council for the record.
People's Republic of China (PRC) social insurance law
Article 28
Medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations.
Article 30
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.