Some time ago, Xiaoyu saw a hot search on the Internet, the original article was "How do you think of Dr. Tao Yong's view that hospitals that seek emergency medical treatment should be paid if they are not within the scope of claims, and what is the significance of this for the development of domestic insurance?".The topic sparked heated discussions for a while. Some people conduct scientific analysis from a professional point of view, and some people show up based on cases or their own experiences, and their conclusions and opinions are different depending on their information and position.
Today, Xiaoyu will talk to you about "emergency medical treatment" from different directions.
Many people may think that dialing 120 will take the injured person directly to the nearest hospital, but it is not so "simple and rude":
Normally, ambulances will only take the injured person to the nearest 24-hour hospital. 24-hour hospitals are usually large hospitals, including public hospitals, private hospitals, and expensive hospitals (expensive hospitals are insurance terms for private hospitals with much higher fees than public hospitals, international departments, and other private hospitals).
In the event of an emergency, such as an ICU, an ambulance will prioritize the transfer of the injured person to the nearest public hospital.
In the event of a major accident (where many people require first aid), the ambulance will also give priority to the nearest public hospital, and may disperse the injured to different hospitals due to various factors such as the capacity to receive treatment.
In the case of foreign injuries, the ambulance will usually take them to the nearest private hospital due to language issues, and will still take them to a public hospital if the situation is very urgent (e.g., if an ICU is required).
According to Xiaoyu's friend's personal experience, if the situation is not very urgent and there are several hospitals nearby, an ambulance will be given to the injured familyChoose your own hospital
Let's start with the conclusion: some insurance plans can cover the cost of medical treatment in an emergency, private hospitals can also pay for it, and expensive hospitals can also pay for it!Just looking at the hot search mentioned earlier, there are inevitably some ambiguities and misleading, which is easy for many people to misunderstand that "insurance is deliberately stipulating a bunch of things, and I don't want to lose money". However, in fact, there are many types of insurance with different emphases, and the regulations for emergency medical treatment are also different, so you should carefully study them before making a judgment. Today, Xiaoyu will take you to see a few common types of insurance.
Generally speaking, travel insurance, accident insurance, million medical insurance and other types of insurance will stipulate the type of hospital where the insured person will be treated, such as a public hospital of level 2 or above. Since this type of insurance often has the characteristics of high leverage (i.e., ** lower protection and higher protection), the regulation of medical hospitals can be understood as one of the means to ensure the regularity of products and control costs.
Compared with the previous types of products, mid-to-high-end medical treatment provides a wider range of medical treatment and compensation, and the service will be more thoughtful and intimate. As long as the insured reports in time after the accident, the insurance company can assist in issuing a pre-authorization letter or providing advance payment services, which directly eliminates the hassle of the insured from "paying first and then applying for a claim". If the current level of hospitals makes it difficult to handle the condition, the insurance company can also assist the insured person in transferring to a more suitable hospital (as long as the plan includes "emergency evacuation" services).
Regardless of the type of insurance, you need to pay attention to whether the product pays for private and expensive hospitals before purchasing insurance. If it is not a very urgent situation, it should be carried out in an appropriate hospital**.