What is the reimbursement process for employee mutual aid insurance?

Reimbursement process:

1. To log in to the mutual aid association website, you need the account number and password. Generally, the comrade in charge of the unit's labor union knows this.

2. After entering, find "Application Business" and click to enter.

3. Click "Initiate a new application", and fields such as entering the ID number will appear. Enter the applicant's Just provide the information and select the type of insurance your unit participates in. You can apply for this twice because you can only apply for one category at a time. For example, if you participate in critical illness and hospitalization insurance, you can apply for hospitalization allowance first, and then apply for hospitalization + critical illness. This way you can get two compensations.

4. After the selection is completed, enter the main information filling area and upload the ID card photo, hospitalization invoice photo, and bank card photo prepared in advance. It should be noted that the specific amount in the invoice needs to be entered one by one.

5. After submission, wait for system review. It usually takes 3 working days to pass the review, and the money will be directly transferred to the user's bank card account.

Extended information:

Critical disease insurance refers to insurance coverage for specific major diseases, such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc., which are handled by insurance companies. When a person suffers from the above-mentioned diseases, the insurance company will provide appropriate compensation for the medical expenses incurred. According to whether the premium is refundable, it can be divided into consumption-type critical illness insurance and refund-type critical illness insurance.

In short, critical illness insurance is illness insurance that uses illness as a condition for payment of insurance benefits. That is, as long as the insured suffers from a certain disease listed in the insurance terms, regardless of whether or how much medical expenses are incurred, the insured can receive a fixed amount of compensation from the insurance company.

The "critical illness" covered by critical illness insurance usually has the following three basic characteristics: First, the "serious illness" will seriously affect the normal work and life of the patient and his family for a long period of time. second, "the cost of treatment is huge." Such diseases require more complex medications or surgical treatments, and expensive medical expenses are required. Third, it is not easy to cure and will last for a long period of time, or even be permanent. The insurance benefits paid by critical illness insurance are mainly used for two purposes: first, to pay the insured's high medical expenses due to illness, disease status or surgical treatment; second, to provide economic security for the insured after falling ill. Avoid financial hardship for the insured's family as much as possible.

It is also a critical illness insurance. Why is the premium different by more than a thousand yuan? Reader Ms. Shen recently called this newspaper to express her doubts. The reporter learned that commercial critical illness insurance on the market is divided into two categories, one is independent critical illness insurance, and the other is attached to life insurance products. Generally speaking, the former only provides critical illness protection, while the latter also provides critical illness protection. and death benefits. Industry insiders said: Critical illness protection and personal protection are both necessary. If citizens purchase critical illness insurance that includes death liability, it can be said that the premium includes the critical illness and life insurance premiums, making it a two-in-one insurance. If citizens choose to purchase critical illness insurance that does not include death liability, it is recommended to pair it with a term or whole life insurance as a combination protection.