In other words, medical equipment reimbursement must meet at least two conditions:
(1) must be purchased in a hospital with a hospital invoice.
(2) Devices that must be "medical needs". In actual claims, "medical needs" are usually understood as treatment needs, excluding non-treatment purposes such as health care, rehabilitation, beauty and plastic surgery.
Moreover, in the exemption clause of the insurance contract, there is also a very clear exemption statement (exemption refers to what expenses cannot be reimbursed): "the expenses of over-the-counter drugs and devices, and the medical expenses incurred due to prevention, rehabilitation, health care or non-disease treatment projects"
Important: Drugs and equipment without hospital prescription will not be reimbursed. Non-therapeutic prevention, rehabilitation and health care projects will not be reimbursed!
Therefore, no matter whether you buy accident insurance or medical insurance, you can't reimburse the rehabilitation equipment you bought.
However, if you buy accident insurance, you can go to the personal disability appraisal department for disability appraisal. Even if you can assess a disability of 10, you can still get the insurance coverage of 10%, which is to make up for the rehabilitation expenses.
Proportion of compensation corresponding to personal disability level and accident insurance
10 disability (reduced work and study ability): compensation 10% of the insured amount.
Grade 9 disability (decreased work and study ability): pay 20% of the insured amount.
Grade 8 disability (intermittent work): pay 30% of the insured amount.
Grade 7 disability (working hours need to be significantly shortened): 40% of the insured amount will be paid.
Six-level disability (incompetent for the original job): pay 50% of the insured amount.
Grade 5 disability (all kinds of activities are limited, only nearby activities): 60% of the insured amount is paid.
Grade 4 disability (all kinds of activities are limited, only activities within the scope of residence): 70% of the insured amount is paid.
Grade 3 disability (all kinds of activities are limited, only indoor activities): 80% of the insured amount will be paid.
Second-degree disability (only in bed or chair): pay 90% of the insured amount.
1 level disability (bedridden due to various activities): 100% coverage.
Life insurance "four-piece set"
Accident insurance: reimbursement of accidental medical expenses+accidental disability compensation.
Medical insurance: reimbursement of hospitalization expenses
Critical illness insurance: compensation for rehabilitation expenses after discharge+loss of income during illness.
Term life insurance: When a person dies, he will pay a sum of money to his family.
The "four-piece set" takes care of different risks and has different functions. Generally, four sets of insurance should be completed when configuring insurance, so that no matter what losses occur, insurance compensation can be obtained. I hope my answer is helpful to you. Please feel free to ask me if you don't understand.