Millions of medical insurance does not reimburse all diseases, but there are certain restrictions.

1, past diseases. Past illness refers to the illness or abnormal health of the insured before insurance, which usually has the following situations: generally, millions of medical insurance companies will clearly stipulate in the contract that past illness will not be compensated.

2. Fertility. Millions of medical insurance does not reimburse medical expenses arising from abortion, prenatal examination, ectopic pregnancy and other births.

3. Plastic surgery. Beauty treatments, such as cosmetic surgery and orthodontics, are not included in the million-dollar medical insurance coverage.

4. Illegal crime. Millions of medical insurance does not reimburse the medical expenses incurred by the insured in hospitalization for illegal and criminal acts such as drug abuse during the insurance period.

5. High-risk sports. The insured's diseases caused by high-risk sports are not covered by one million yuan medical insurance, such as rock climbing, skiing and skydiving.

6. Other diseases. Millions of medical insurance does not compensate for some clearly defined diseases, such as occupational diseases and legal infectious diseases (which belong to special forms and need attention).