1. Congenital diseases: Some congenital diseases may not be covered by insurance, because these diseases existed before buying insurance.
2. Treatment of chronic diseases: Millions of medical insurance usually pays more attention to the treatment of acute diseases, and may not provide full reimbursement for long-term treatment of chronic diseases.
3. Preventive treatment: Some preventive medical services, such as vaccination and physical examination, may not be covered by insurance.
4. Special treatment: Some special treatments, such as plastic surgery and cosmetic surgery, may not be within millions of medical insurance coverage.
5. Voluntary surgery: Some voluntary surgery, such as non-emergency plastic surgery and unnecessary surgery, may not be covered by insurance.
6. Illegal medical behavior: Millions of medical insurance usually does not reimburse medical expenses caused by illegal medical behavior.
Millions of medical insurance covers most common diseases, but some diseases are not covered by reimbursement. According to the insurance contract, the following diseases are usually excluded: congenital diseases, hereditary diseases, AIDS, mental illness, cosmetic surgery, infertility treatment, injuries caused by illegal acts, self-mutilation and suicide. In addition, some specific treatment items, such as high-end examinations and high-end drugs, may not be covered by insurance. Therefore, before buying millions of medical insurance, it is recommended to read the insurance contract carefully to understand the specific scope of reimbursement and exclusion responsibilities to avoid unnecessary disputes and economic losses. Please refer to the actual insurance contract for details.
Legal basis:
Regulations on the handling of medical accidents:
Chapter V Compensation for Medical Accidents
Article 51 The transportation expenses, lost time expenses and accommodation expenses required for the close relatives of patients to participate in the handling of medical accidents shall be calculated with reference to the relevant provisions of Article 50 of these regulations, and the number of people who calculate the expenses shall not exceed 2. If a medical accident causes the death of a patient, the transportation expenses, lost time expenses and accommodation expenses required by the spouse and immediate family members of the patient participating in the funeral activities shall be calculated with reference to the relevant provisions of Article 50 of these regulations, and the number of people who calculate the expenses shall not exceed 2.