The actual content of the split sheet is the reimbursement details of medical expenses. Acts on secondary or even multiple reimbursements. So how do we get it?
The first split order** is issued to the Health Insurance Bureau. There are two cases:1Local medical treatment, admission to the hospital to do a good job of medical insurance registration, discharge at the discharge window directly together with the invoice, detailed list of expenses, and major medical records together with the receipt. 2.For medical treatment in other places, you need to bring the original invoice, a detailed list of hospitalization expenses, and a full set of major medical records to the medical insurance bureau of the place where the medical insurance is insured for reimbursement after discharge, and then issue a division order 15-30 days after the reimbursement is completed. (Note: Major medical records include admission and discharge certificates, various physical examination reports, doctor's orders, etc.).
If you also have business insurance. After completing the above procedures, prepare your ID card, bank card, copy of invoice, detailed list of medical insurance reimbursement (split sheet), discharge certificate, detailed list of hospitalization expenses (if the insured is a minor, you also need to prepare your household registration book and birth certificate). According to the background of the insurance company, the way of handling claims is different: some companies need to visit the company's office hall in person;Some companies can contact ** people to handle it online;There are also companies that can apply online by themselves. It depends on the company you once chose and what level you have achieved now.
Generally, after the medical insurance reimbursement is added to the commercial insurance reimbursement, there is basically no possibility of reimbursement. Because medical insurance, as a type of compensation and reimbursement insurance, is different from the one-time payment of critical illness insurance and the graded payment of accident insurance. But there are two possibilities:1If you apply for multiple insurance companies at the same time, and the insurance amount is not high or a basic medical insurance + one million medical treatment, there will be a basic compensation amount of a single company, which cannot meet the entire medical expenses. A second reimbursement is required. 2.If the condition is serious, the overall medical cost is high or very high, and only basic medical insurance, with local Huimin insurance, can apply for reimbursement. In both cases, you need to obtain a split order from a commercial insurance company, how to get it?
First of all, it is necessary to deal with the above three claims after the insurance reimbursement is completed, which is also divided into three ways: 1If you need to go in person, you need to pick it up again2.**Someone delivered to your door;3.It will be mailed to your home by the company's claims department. After receiving this split order, you also need to prepare a copy of the claim information mentioned above before you can apply for the third claim.
The core of insurance is to be able to get compensation, and there are still people who shy away from insurance because they don't understand the content of insurance. If it is convenient, find a slightly more professional insurance person around you to do a policy review, and clarify what rights and interests you can bring to yourself with the policy in your hand.
That's it for a detailed introduction to split orders and how to get them in different situations. When it comes to reimbursement, it's important to make sure you're following the right process to get the most out of your coverage. At the same time, for the division order of commercial insurance companies, it is also necessary to apply for and obtain it in accordance with the corresponding process. In this way, we can cope more calmly when faced with the pressure of medical costs.