The posting was prepared by receiving a certain fee from the company.When claiming medical insurance expenses for loss of less than n won, you can easily claim it through mobile. When claiming insurance money, you must take a picture of the medical insurance expense document required by the insurance company and send it. The required documents include medical expenses receipts and drug expenses receipts, and medical certificates and prescriptions as documents that confirm the name of the disease. The documents above contain the disease classification code, and the documents required by each insurance company may differ, so it is necessary to understand what documents are required by the insurance company when claiming insurance money. Coverage for emergency rooms is also paid by actual cost insurance. However, in the case of a non-emergency, it may be difficult to cover even if you use the emergency room, so care should be taken. The criteria for payment of medical expenses for loss are based on whether it is an emergency, and if you use an ambulance when traveling from a hospital to a higher hospital, it may be difficult to receive coverage for the ambulance usage fee through actual cost insurance. The amount of outpatient deduction varies depending on the benefit item and the non-benefit item. The outpatient deduction amount for the benefit item is set at least n won when using the hospital/clinical level and at least 20,000 won when using a superior/general hospital. The outpatient deduction amount for non-benefit items is at least n won. Injury/disease benefit type and injury/disease non-benefit type are guaranteed differently, and both can be guaranteed only if you subscribe to both the benefit item and the non-benefit item. In the case of renewal of medical insurance expenses, the contents are generally standardized. However, since there are many differences in the special insurance premiums for real losses organized by subscribers, organizing products suitable for you can be beneficial when you receive coverage. In addition, it can be good to have insurance when you are healthy, so it can be good to organize long-term coverage.Hello, today I’m going to talk about actual cost insurance and real-loss medical insurance. Actual cost insurance is an insurance product that can be guaranteed for real-loss medical insurance expenses incurred by visiting hospitals due to diseases and injuries. You can get coverage for 70-80% of the hospital fee, and you can get coverage for the rest of the benefits and non-benefit items except for the self-payment.The exemption period refers to a period in which the insurance company is not obligated to pay the insurance money, and the reduction period refers to a period in which only a part of the insurance money is covered by the period following the end of the exemption period. However, in actual expenses insurance, an exemption period of about 90 days may occur after the subscription amount is exhausted, and the exemption period may vary depending on the subscription period. The products are divided into benefits (main contract) and non-benefit (special contract), and the three non-benefit special agreements such as manual therapy, injection fee, and magnetic resonance imaging are also covered by non-benefit (special contract). Infertility-related diseases, congenital brain diseases, and skin diseases that require treatment can also be covered in the benefits category. However, infertility-related diseases are covered in the benefits category after two years of insurance coverage and the full out-of-pocket expenses are excluded. Since actual insurance is a product that is renewed every year, the premium may change every year as the insured’s age increases and medical expenses increase. At the time of renewal, the coverage is the same as at the time of subscription, but the re-subscription cycle returns every five years, and the scope of coverage, coverage, and self-payment may change in the re-subscription cycle. You should carefully check the details of renewal and re-subscription.Medical items are divided into benefit items and non-benefit items, and the self-payment for the benefit items is set at 20%, and the self-payment for the non-benefit items is set at 30%. Self-payment is an item that the insured should bear among the treatment costs included in the coverage of real-life insurance. Among the medical items, the National Health Insurance pays for medical expenses, but the non-benefit items have to be paid by individuals, so actual expenses insurance must be prepared to reduce the economic burden. If you subscribe to general insurance such as cancer insurance or comprehensive insurance, the period of exemption and reduction will be set after the subscription, so even if a disease occurs, you cannot be guaranteed and can receive coverage after both periods are over.
