Application data of million guardian additional accidental injury medical insurance
Accident medical insurance is an additional accident medical insurance provided by millions of guardians according to the insurance contract. If the insured suffers from accidental injury and receives medical treatment in a public hospital above Grade II (including Grade II) recognized by the insurance company within 180 days from the date of the accidental injury, the insurance company shall pay the beneficiary the medical insurance premium for the reasonable medical expenses actually paid by the insured due to the accidental injury. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
When applying for accidental injury medical insurance, the applicant shall fill in the claim application form and provide all the following original documents and materials:
1. Insurance contract; ?
2. The identity certificate of the insured; ?
3 complete outpatient (emergency) medical records, admission and discharge certificates; ?
4. Original medical expense receipt and expense list; ?
5. Medical materials related to this insurance claim and certificates, reports and documents required by other insurance companies. ?
After the information is complete, the insurance company will remit the insurance money to the bank account designated by the insured within 3 working days. However, it needs to be reminded that if the insured is hospitalized due to the following circumstances, the insurance will not be responsible for paying the insurance money:
1. The applicant intentionally kills or hurts the insured; ?
2. The insured intentionally commits a crime and resists criminal compulsory measures taken according to law; The insured commits suicide or self-injury; ?
3. Accidental injury suffered by the insured during mental or behavioral disorder; ?
Four. Symptoms or physical injuries of the insured before the supplementary contract takes effect; ?
Five, pregnancy (including ectopic pregnancy), delivery (including caesarean section), abortion and any of the above complications; ?
Six, dental repair, dental plastic surgery, dental treatment and surgery; Preventive surgery (such as preventive appendectomy); Rehabilitation treatment; Beauty, plastic surgery and vision correction surgery; Plastic surgery caused by non-accidental injuries; ?
Seven, the insured does not follow the doctor's advice to use drugs (except for the use of non-prescription drugs according to the instructions for use); Accidental injuries suffered by the insured during the period of being influenced by alcohol, drugs and controlled drugs; ?
Eight, disc herniation and protrusion; ?
9. Accidental injuries suffered by the insured during eight periods, including drunk driving, driving without a valid driver's license and driving a motor vehicle without a valid driver's license; ?
10. The insured is engaged in high-risk sports such as skydiving, gliding, diving, skiing, water skiing, rock climbing, snow mountain, adventure, martial arts competition, wrestling competition, boxing, stunt show, horse racing, bungee jumping and car racing; The insured participates in any sports competition as a professional athlete; ?
Xi。 War, military conflict, riot or armed rebellion; ?
Twelve, nuclear explosion, nuclear radiation or nuclear pollution. ?
Therefore, parents must read the terms of the insurance contract when insuring the return of accident insurance by China Merchants Cigna Million Guards, not only knowing what application materials are needed, but also knowing the scope of protection and exemption clauses. Is the return insurance cost-effective? I just sorted out the relevant contents, hoping to help you: What's the difference between consumer insurance, savings insurance and return insurance? Which is better?
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Many children are lively and active, with low awareness of self-prevention and are vulnerable to accidental injuries. The accidental injury of children not only brings huge direct economic losses to families, but also immeasurable potential psychological trauma. In order to better avoid unexpected risks, it is a good choice to buy accident insurance for children. Although it can't prevent accidents, it can give some economic comfort when accidents happen. Choosing a child accident insurance suitable for children first needs to understand how accident insurance is divided. Let's take a look together.
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Among all kinds of risks, the most unpredictable is the "unexpected" risk. Because the accident has nothing to do with people's sex and age, it is unpredictable. From slipping after snow to traffic accidents, it is impossible to predict in advance. Therefore, many people will insure themselves against accident insurance, and enterprises will also insure their employees against work-related injury insurance to avoid the risks brought by accidents.