Of course, you need to go to the medical institution designated by the insurance company for reimbursement. Otherwise, if everyone could just look around outside and write a receipt casually, the insurance company would not have closed down long ago? Therefore, you need to go to a regular hospital, and you need legal bills for reimbursement.
You mentioned the word insured. Here, the insurance company only has the responsibility to provide protection for the insured, and has nothing to do with the insured.
Can these expenses be reimbursed? Does the insurance company refuse cross-regional treatment claims without the permission of the insurance company?
Of course, it will not be reimbursed. At this time, it is not that insurance companies are not allowed to carry out cross-regional treatment, but that it is not advisable to make a decision without the consent of insurance companies.
When some special circumstances, such as sudden foot injury, can be dealt with on the spot, but need the consent of the insurance company. This is a must!
Excuse me, is this regulation in accordance with the law? What if I sue? Can you win?
The claim cost is not much ***426 yuan, but you are not convinced by this excuse?
Do I have to go through an insurance company to transfer? The transfer also requires a transfer application issued by the insurance company.
Is there a good way to settle this dispute?
If you go to court, your chances of winning the case will not be too high, because both parties act according to the contract, and the medical insurance you apply for needs to go to a designated hospital. I believe there is an agreement in the contract.
I suggest you take preventive measures in the future. In this case, you should communicate and discuss with both parties to the contract. In fact, it's not a big deal, nor is it that the insurance company doesn't want to reimburse you. This requires mutual understanding. After all, honesty is mutual. I hope you don't get angry.