After the popularization of insurance knowledge, people pay more and more attention to their own health problems, and many people begin to buy health insurance. Among them, millions of medical insurance is one of the popular choices. So, which diseases are not covered by millions of medical insurance? Let's have a look.

What diseases are not covered by millions of medical insurance?

1, hereditary/congenital/past diseases

For congenital malformation, mental illness, chronic diseases and other past diseases, it is usually within the scope of exemption.

2. Plastic surgery

Cosmetic items such as orthodontics, hair transplant and breast enhancement are also exempted.

Step 3 be fertile

For pregnancy, prenatal examination, abortion and other fertility-related items, it is also within the scope of exemption.

4. Illegal crime

Medical expenses caused by drug abuse, drunk driving, theft and other illegal crimes are also exempted.

5. High-risk sports

Some high-risk extreme sports, such as rock climbing, skydiving and skiing, are also exempted.

What is the reason for the failure of millions of medical insurance claims?

1, medical expenses incurred during the waiting period.

If you take out millions of medical insurance, you must pass the waiting period before you can enjoy the reimbursement guarantee. Therefore, if you have medical expenses during the waiting period, it is generally impossible to claim this part of the expenses.

2. Did not seek medical treatment in the designated hospital.

Millions of medical insurance generally stipulates the scope of hospitals, and most of them are in public medical institutions above the second level. Therefore, hospitals or medical institutions that are not within the prescribed scope cannot be reimbursed successfully.

3. Failing to tell the health information truthfully.

Some people are lucky to hide something when they are told about their health. In fact, this is "burying a bomb" for yourself. Insurance companies have the right to refuse to pay compensation if they fail to tell the truth. At that time, even if the medical expenses incurred meet the scope of compensation, they will not be compensated.

4. In order to reach the threshold of deductible.

There is a deductible threshold for millions of medical insurance, which is generally 6.5438+0 million yuan, so if the medical expenses incurred do not reach more than 6.5438+0 million yuan, it is impossible to reach the threshold for claims.

The above are some contents of the million medical insurance, so you can pay attention to it.