Commercial medical insurance mainly includes hospitalization allowance insurance and expense reimbursement insurance. The former can compensate the economic losses of the insured during hospitalization in a fixed amount every day, while the latter can generally reimburse the reasonable and necessary related medical expenses actually incurred by the insured.
Eye laser surgery is commonly known as myopia surgery. It is a non-pathological operation to help people correct their eyesight and take off their glasses. Unlike disease surgery, commercial insurance companies generally do not restrict people who have undergone such surgery from taking out insurance. Of course, every insurance product is different, such as critical illness insurance and medical insurance. Health information is required before insurance, mainly to prevent the insured from taking insurance in spite of illness. The operation is not pathological, so there is no need to worry about the insurance company refusing insurance and deliberately violating the information. If the health notice is violated, the insurance company may refuse to pay the insurance premium when making claims, and the insured need not bear the risk, which is not worth the loss. However, the eyes are also one of the most important organs. If there are complications or other serious diseases after operation, the insurance company will make an exception and refuse to provide relevant protection. When buying commercial medical insurance, we should not only know the coverage, but also carefully check the exemption.
Commercial insurance refers to the form of for-profit insurance operated by professional insurance enterprises through the conclusion of insurance contracts. Commercial insurance relationship is a contractual relationship concluded by the parties voluntarily. The insured pays the insurance premium to the insurance company according to the contract, and the insurance company shall be liable for the property losses caused by the possible accidents agreed in the contract, or the death, disability, illness or reaching the agreed age and time limit of the insured. The so-called social insurance refers to a social security system that forms a social insurance fund by collecting insurance premiums to provide basic living security for members who lose their working ability or job opportunities due to old age, illness, maternity, disability, death and unemployment.