2. If medical treatment is caused by accidental injury, the accident date shall prevail, and the accident date of disease medical treatment shall prevail, and the accident date must be within the validity period of insurance to constitute insurance liability;

3. Generally, there is an agreement in the insurance clauses in Xue Ping that the treatment period can be extended after the insurance expires. You should read the terms carefully, of course, to make sure that the insurance date is within the validity period;

When you reported the case, you informed the insurance company of your illness and got a reply from the customer service hotline. If you think they promised something at that time, you can ask for recording to defend your rights. The insurance company's hotline must be recorded and kept for a long time.

If the premium is inconsistent with the premium rate during the insurance period, you can ask the insurance company to correct it. There will be two results: ① determine the insurance period according to the short term rates corresponding to the premium; 2 refund the premium you overcharged;

Finally, I would like to remind you that all your hospitalization materials, including copies of medical records, invoices for hospitalization expenses, discharge certificates, summary tables of medical expenses, etc. , should be well preserved. Please read your insurance certificate and additional insurance clauses carefully. If the insurance company says that your insurance date is not within the insurance validity period, you need to prove that it is within the insurance validity period, and then make targeted excuses to get a proper solution.