Hello, I hope it will help your question and the answer I provided! Report and claim settlement: seek medical treatment within five days from the date of insurance accident. After an accident or hospitalization, file a claim with the school student office. Reimbursement scope: medical expenses of hospitals above the county level (including the county level). (The medical insurance benefits of this insurance shall be paid in accordance with the scope of reimbursable medical expenses stipulated by the competent department of social medical insurance in Beijing. Medical expenses include: during the insurance period, the insured suffered accidental injury or was hospitalized due to illness: 1. The bed fee for general wards is limited to 90 days for each hospitalization. 2. Surgery fee; 3. Injection fee; 4. Reimbursement of drug expenses stipulated by the labor insurance medical management department; 5. Inspection fee; 6. Disposal fee; 7. Blood transfusion fee and oxygen delivery fee; 8. Consulting fees; 9 hospitalization and transfer ambulance fees; 10. Bed fee for intensive care unit and burn unit. Insurance exclusion liability: When one of the following circumstances is the cause or one of the reasons for the death, physical disability or treatment of the insured, the Company will not be responsible for paying insurance benefits: 1. Intentional behavior of the insured or beneficiary towards the insured; The insured resists arrest, commits suicide or intentionally injures himself; 2. The insured commits a crime, fights, drinks alcohol or takes or injects drugs; Accidents caused by the influence of controlled drugs on the insured; 3. The insured is drunk driving, driving without a license and driving a motor vehicle without a valid driver's license; 4. War, military action, riot or armed rebellion; Nuclear explosion, nuclear radiation or nuclear pollution; 5. Accidents caused by the insured not taking, smearing, injecting drugs, taking drug allergy or receiving other medical treatment according to the doctor's advice; 6. The insured participates in high-risk sports such as diving, water skiing, skiing, skydiving, bungee jumping, rock climbing, adventure activities, driving gliders, wrestling, judo, boxing, martial arts competitions, stunts, motor vehicle and boat competitions and performances; 7. Self-funded projects stipulated by public expense and labor insurance medical management departments; 8. The insured participates in this insurance for the first time or fails to renew the insurance in time, and suffers from an illness within 90 days from the effective date of this insurance, or suffers from an incurable disease before the insurance, or is undergoing treatment or rehabilitation for an existing disease or disability; 9. The insured has miscarried, given birth, or suffered from sexually transmitted diseases, legal infectious diseases, mental illness, or schizophrenia, AIDS, congenital diseases (including congenital malformation) and simple hereditary diseases; 10. The insured's cosmetic surgery, plastic surgery, corneal refractive surgery or preventive surgery are not necessary for emergency treatment; Treatment, surgery or tooth filling, tooth washing and cleaning of teeth; Optometry, installation of artificial eyes, dentures, artificial limbs or hearing AIDS, etc. ; 1 1. General physical examination, health examination, recuperation or rehabilitation treatment; 12. Use various protein preparations (drugs containing а-2 component, transfer factor and diphenhydramine); 13. The insured enjoys treatment such as family sickbed and hammock. 14. Transfer to hospital for treatment without our consent. When paying medical insurance benefits, individuals need to provide the following documents: a copy of their identity certificate, medical (diagnosis) certificate of the hospital, medical manual and medical records. Original receipts and prescriptions for hospital treatment expenses. Hospitalization receipt, name of hospitalization expense settlement and drug list, copy of hospitalization medical record, and summary of discharge diagnosis. Special examinations, such as CT, B-ultrasound, magnetic resonance vibration, gastroscopy, colonoscopy, etc. , test scores or test reports are required. Transfer for treatment requires a transfer certificate.