I was so angry that I had to be hospitalized when I bought Cartier. Can I pay the insurance premium?

Recently, a news about # Buying Cartier made me so angry that I had to be hospitalized # attracted the attention of netizens and once rushed to the hot search list. It is reported that Mr. Lian is an old customer of Hangzhou Vientiane City, saying that he is at least in the top 20 consumption. A few days ago, he bought a Cartier bracelet of more than 400,000 yuan, saying that he heard the clerk whispering and questioned that he could not afford it. He was very angry and had to go to the hospital, but the store manager was very arrogant and demanded an apology.

Mr. Lian introduced that he found the manager of the store involved afterwards, and the manager's attitude also made him very dissatisfied. This series of details add up to make Mr. Lian very angry. The next day, Mr. Lian felt dizzy and went to the hospital.

Mr. Lian produced a medical record issued by a hospital in Zhejiang University, which read: "The patient's nystagmus is obvious, vestibular neuritis and acoustic neuroma cannot be ruled out, so it is recommended to observe closely. If dizziness persists or nystagmus persists, hospitalization is recommended. " The sick note issued by a hospital in Zhejiang University also shows that Mr. Lian may suffer from vestibular neuritis, and it is recommended to take a day off.

The topic we are discussing today is, if Mr. Lian buys medical insurance and is hospitalized in Cartier, will medical insurance pay for it?

1. What is medical insurance?

In fact, there are two kinds of medical insurance, one is commercial medical insurance and the other is social medical insurance. Social medical insurance is the foundation, and commercial insurance is the supplement of medical insurance.

Social medical insurance covers the five insurances and one gold that we often see, as well as the new rural cooperative medical system and urban residents' medical insurance. Commercial insurance can be divided into small medical insurance, millions of medical insurance, intermediate medical insurance and high-end medical insurance. Let's take the case of hospitalization as an example to see how these products are different.

Second, does medical insurance pay for hospitalization?

1, medical insurance

If you are hospitalized, you can make certain reimbursement through medical insurance; However, if drugs such as self-funded drugs are involved, they can only be paid at their own expense, not at their own expense.

2. Millions of medical insurance

If you are insured with millions of medical insurance, the reasonable and necessary medical expenses incurred during hospitalization can be reimbursed through millions of medical insurance to some extent, in addition to medical insurance reimbursement.

However, because medical insurance has a deductible, a certain amount of reimbursement, a scope of reimbursement, and a proportion of reimbursement, how much can be reimbursed depends on the contract. Simply put, if the million-dollar medical insurance bought by Mr. Lian has a deductible of 1 0,000 yuan, the social security will be reimbursed, and the rest can be calculated according to the reimbursement ratio. 1 10,000 yuan deductible cannot be reimbursed, but it can be compensated by buying other insurance.

2. Small medical insurance

If you buy millions of medical insurance and are worried about deductibles, you can use micro-medical insurance to solve this problem. Generally, the deductible of micro-medical insurance is several hundred yuan. When choosing, we should pay attention to whether the reimbursement of micro-medical insurance is limited by social security and proportion. It is recommended to give priority to products that are not limited to internal and external social security and have higher compensation.

3. Mid-range medical insurance

Intermediate medical insurance covers not only hospitalization, but also outpatient and emergency medical insurance. The requirement for choosing mid-range medical insurance is generally more than 200,000 yuan, and the lifetime limit is generally 3 million yuan or 5 million yuan. Simply put, if the money paid has exceeded this lifetime limit, the insurance company will no longer pay or renew the insurance. It is worth noting that if you want to receive better medical services, you can go to the special needs department, and the medical expenses incurred can also be reimbursed through mid-range medical insurance.

4. High-end medical care

High-end medical insurance is generally aimed at relatively wealthy families. This kind of medical insurance does not require compensation for medical expenses, but focuses on high-quality medical resources and a good medical environment.

Generally speaking, medical resources can include global medical institutions, and both public and private hospitals can provide protection; The items covered are also varied, including hospitalization, outpatient service, obstetrics and dentistry, etc., all of which are paid in full. Of course, the premium of high-end medical insurance is higher, and the insured amount is generally10 million.

5. Other circumstances

But in the case of angry hospitalization, insurance will not compensate. Besides looking at the product agreement, we should also pay attention to the health condition. If you are angry and hospitalized, the cause is physical illness, but you don't fill in the health notice truthfully, you may not be able to get compensation smoothly.

As for the final compensation or not, it depends not only on the contents of the contract, but also on whether the concealed situation is closely related to the hospitalization situation. In any case, it will cause claims disputes.

Third, write it at the end.

Finally, there are four words to share with you: I am not angry when others are angry, and there is no one to replace me when I am sick. If I'm angry, it's hard to refuse insurance payment.

Remember to keep calm when dealing with disputes. Because everyone is different in age and physical condition, once angry, it may have unexpected consequences, and may even hurt the liver, heart and stomach for many years. Therefore, everyone must always keep a happy mood!