Do you understand the second reimbursement of medical insurance?Today we are going to talk about this topic and tell you what it means and why. Some netizens said that they can only enjoy the treatment of secondary reimbursement when they are seriously ill, and they want to be reimbursed twice without serious illness, but they find it a little difficult to do so. Is it true?Let's find out!
The second reimbursement of medical insurance actually refers to the application to the medical insurance institution for reimbursement of expenses not within the scope of basic medical insurance after the reimbursement of basic medical insurance. For example, after the reimbursement of medical expenses within the scope of basic medical insurance, there are some other expenses, such as supplementary medical insurance, commercial insurance, etc., which can be further reimbursed through secondary reimbursement. Such a mechanism can help people reduce some of the burden of medical expenses.
So why is it so difficult for us to enjoy a second reimbursement when we don't get seriously ill?This is mainly because the secondary reimbursement is based on the reimbursement within the scope of basic medical insurance, and the reimbursement within the scope of basic medical insurance is mainly for the reimbursement of the first expense of serious illness and serious illness. For example, if you just have a cold, you only need to be reimbursed within the scope of basic medical insurance, but if you have cancer, the cost will far exceed the reimbursement amount within the scope of basic medical insurance, and then you can get more reimbursement through secondary reimbursement and reduce the financial burden.
Of course, there are still restrictions on the specific policy of secondary reimbursement. Different regions and different insurance companies have different coverage and reimbursement ratios for secondary reimbursement. Therefore, if you want to enjoy the treatment of secondary reimbursement, you still need to understand the specific regulations of your region and insurance company.
In short, the secondary reimbursement of medical insurance is a system established to better reduce the burden of medical expenses on patients. It can really help people when they are seriously ill. However, it is not easy to enjoy the second reimbursement, after all, it is an additional benefit after reimbursement within the scope of basic medical insurance. Therefore, we should still pay attention to maintaining our body, preventing diseases, and reducing medical expenses.