When Xiao Liu climbed the mountain during his travels, he fell down accidentally, and his wrist fractured. He did not go to the hospital for treatment. Instead, he found a private massage shop and picked it up a little. Although Xiao Liu's sprain was caused by accident, the insurance company still has the right not to pay. [answer] the non - regular medical places in the private sector are unable to obtain legal medical receipts because they do not have a qualified medical license, so the insurance company can not claim compensation. In the case of Xiao Liu, it is possible to get compensation for accident insurance in principle. However, due to the lack of normal medical treatment, the claim for compensation is lost. The insured must remember to go to the regular medical institutions after the risk, and it is best to consult the relevant designated hospitals in advance by the hotline, or ask themselves whether they are ready to go to the medical hospitalShenzhen Transpring Enterprise Ltd. is one of and vaporizer (A3 Vape Cartridge etc) manufacturer and supplier in China. Over the years, we have been serving many customers from USA, ... . Can you apply for compensation for operation and medical expenses without a real knife? Ms. Wu insured the hospitalization insurance 3 years ago. After the first two weeks, she felt discomfort in the abdominal pain. She immediately went to the hospital to check it. She found that it was gallstone. The doctor suggested that the stone be taken out. Because of the progress of medical technology, the removal of gallstones requires only ultrasonic lithotripsy, and no real operation is needed. Ms. Wu is worried about whether she can claim insurance claims. [answer] in the past, the medicine was less developed, the stone must be cut through the knife to take out. At present, it depends on the development of medicine. It only needs to break the stone, and it can be removed from the body by itself. But it also raises the controversy over whether the actual knife is able to receive the medical insurance premium. In the insurance contract, there is no definition of "surgery" because of the medical profession. Like Ms. Wu, the two parties involved in the contract have a dispute over the payment of the "surgical project". The insurance company can be agreed on by the two parties for the cost of hospitalization, the cost of medicine, and the cost of the operation. However, because of the upper limit of this kind of claim, the total amount will not be too high. Therefore, the insurance company will not make a claim in principle and will not be too difficult to be insured. Why do you only get an insurance payment when you buy two medical insurance? When Miss Zhou went to college, her mother bought her a A company's life insurance additional hospitalization insurance, with medical insurance at a maximum of 2000 yuan each time, and compensation according to the actual loss. In the first two years, B's agent suggested that Miss Zhou chose another hospitalization medical insurance, with a guarantee amount of 5000 yuan and the same loss according to actual losses. Recently, Miss Zhou was hospitalized and spent a total of 1800 yuan. He got a smooth claim at A company, but B refused to settle the claim on the grounds of "double insurance". Miss Zhou did not understand why he bought two hospitalization insurance, but he could only get a paymentpolyU is your best choice - The University offers a variety of undergraduate, taught poly u master's degree and postgraduate research programmes through different faculties and schools, covering business management and finance. . The purpose of medical cost insurance is not to make up for the injury. It is impossible to exceed the actual loss if you want to get multiple insurance claims with multiple insurance. In actual claims, the amount of social insurance is usually deducted, and the remaining part is settled. In order to avoid duplication of claims, the beneficiary must provide the original receipt instead of a copy when applying. Miss Zhou failed to settle the claim at B company because it was unable to issue documentary evidence. In fact, if Miss Zhou wants to increase the insurance amount, he can choose subsidized inpatient medical insurance, with a subsidy of 50 yuan or 100 yuan per day. This will not generate undue interests or repeat insurance. Does the insurance company not pay the hospitalization fee in the hospital? Grandma Xu had been hospitalized for 3 months because of his careless fall. Her hand and foot muscles were atrophied and needed some time to recover. The doctor advised her to go home and train herself. But Grandma Xu's son did not trust the old man to be alone at home during the day. He asked the doctor to stay in hospital during the day and recuperate. He would take grandma Xu home again in the evening. Mr. Xu believes that he can apply for compensation to the insurance company during hospitalization, but the insurance company has refused. [answer] the definition of "hospitalization" must meet two requirements: first, the formalities for hospitalization; and the two is the diagnosis and treatment in hospitals. It is understood that usually hospitalization is a patient's need for active medical behavior, such as general convalescence or mental illness, doctors will recommend treatment outside the hospital. Like Grandma Xu in the day in hospital, home in the evening, in the medical insurance is called "hang the bed", the insurance company refused to compensate for the proportion is very high, family members if a smooth claim, it is best not to deal with this. Why can't you make a claim after a smooth insurance? Mr. Jiang insured a major disease risk, and all the physical examinations were qualified. The policy came into effect. Unfortunately, second weeks after the policy was established, he suddenly suffered from stroke. This thunderbolt made the whole family feel very sad, but they immediately thought of the risk of major illness insured by Xiao Jiang, so they looked for an insurance company to settle their claim. However, he was told that Xiaojiang had a "waiting period" and could not be compensated. It was also deducted from the fee and returned to the premium. It's hard for a family to accept the fact. [answer] most health care insurance has a waiting period, meaning that there is a period of time from the entry into force to the real entry of the claim, and the accident may be deductible during the period. For example, the waiting period of hospitalization and major diseases insurance varies from 30~180 days. During this period, insurance companies do not have to settle their claims. Xiao Jiang was ill in the second week after the establishment of the contract, and this time is still in the waiting periodType 1 Diabetes Mellitus in pregnancy women increases the risk of adverse outcomes for mother and offspring. Careful preconception counselling and screening is important, with particular focus on glycaemic control, indications for antihypertensive therapy, screening for diabetic nephropathy, diabetic retinopathy and thyroid dysfunction, as well as review of other medications. Supplementation with folic acid should be initiated before conception in order to minimize the risk of fetal malformations. Obtaining and maintaining tight control of blood glucose and blood pressure before and during pregnancy is crucial for optimizing outcomes; .