Tens of thousands

"I spent so much money in the hospitalization. The proportion of insurance premiums I chose originally was 100%. Why did A insurance company only pay me more than 400 yuan? Are they wrong? "
of yuan in hospitalization costs only a few hundred yuan?
After careful examination of Ms. Xia's hospitalization fee invoices, hospitalized patient expenses list, and claims record, it was found that Ms. Xia felt "lost" this time. The mistake was not in the insurance company, and the most important thing was that she had insured her own medical expense compensation insurance.
In July 2006 and early September 2006, Ms. Xia insure a reimbursement insurance for hospitalized medical expenses in A insurance company and B insurance company, which were valid for one year.
In May 9th of this year, Ms. Xia was admitted to the hospital for acute hepatitis and was discharged until June 6th. During the period, she spent 38000 yuan of medical expenses, including 25252 yuan for self charge, 2372.63 yuan for personal conceit (cash payment), 920.67 yuan in personal account, 9924.09 yuan for overall payment and 0 yuan for additional payment. It is usually found in the lower part of the invoice).
After discharge, Ms. Xia first went to B insurance company to apply for compensation, and received a total of 2837.29 yuan insurance compensation. Later, Ms. Xia handed over the original invoices and other credentials to the A insurance company for claims. A insurance company gave 456.01 yuan of claim results. But such a data makes Miss Xia somewhat disappointed. After all, in the course of the hospital, the family has paid a lot of expenses, thought that the medical insurance can be partly compensated, but such a proportion of the results of claims, let her feel a little bad.
Two insure causes "overlap of claims"
It turned out that Ms. Xia bought these two hospitalized medical expenses insurance from both A and B, which were all compensation (reimbursement) type, and the insurance liability of the two insurance was clearly defined as "the cost of medical insurance coverage as compensation standard", that is to say, in the two products, the inreimburable cost insurance within the scope of social security. Insurance companies are no longer compensated. Reflected in Ms. Xia's case, it is the invoice that indicates that "25252 yuan" at her own expense will be eliminated in the claim.
Moreover, due to the cost compensation (reimbursement) type of medical insurance, the principle of loss compensation and non repeatable reimbursement is followed in the practice of claims, so several key claims are produced.
One is the part of the social security payment and the additional payment of local medical care, which has been paid directly by the social security and the local health care fund, so the commercial insurance is no longer paid. Otherwise, it may cause patients to earn money through hospitalization. Reflected in Ms. Xia's case, the overall payment of 9924.09 yuan will be eliminated before the claim.
Two is the principle of non repeating reimbursement, which means that even if it is a medical expense paid by himself, it has already been reimbursed by units or other ways, and it can not be repaid to the insurance company. Reflected in Ms. Xia's case, the 2837.29 yuan that has been reimbursed by B company will be removed before A's claim.
In the end, Ms. Xia received only 2372.63 (personal conceit) +920.67 (personal account payment) -2837.29 (the indemnity obtained from other ways) =456.01 yuan from C.