Child insurance claim application steps/sharing of supporting documents

The rich man bought it happilyGiant EA-402 Electric Assisted BicycleLater, it was planned to be used to transport the little rich man to and from school. Unexpectedly, on the third day of riding, an accident happened (sigh). On the way home from day care class, the little rich man was full of curiosity. His foot sitting in the back seat accidentally put his foot on the rear wheel of the bicycle, and then his foot was caught in it! It was really scary when I think back to the moment. I parked my car immediately when the incident happened. There were no taxis on the roadside during off-duty hours, so I had to call 119 and ask for an ambulance to take me to the hospital for emergency treatment. I ended up needing 5 stitches.

Insurance claim application

The rich man originally bought insurance for the little rich man. He bought a 20-year, pay-your-own life insurance with an annual premium of about 45,000 yuan. The original plan was to wait until the little rich man grew up to have the most basic insurance as an adult. of insurance. In addition, the school also has children's group insurance, so this insurance claim needs to be applied for both schools.

In addition to filling in the information required to apply for insurance claims,1. Claim application formIn addition, it is usually necessary to provide information prescribed by a doctor2.Diagnosis certificateas well as3. Receipt(original/photocopy).

• It costs about RMB 50-100 to issue a diagnosis certificate and RMB 10-20 to get a copy of the receipt. Each hospital is different.

	medical certificate	Receipt
school insurance	original	photocopy
Insurance bought by rich people	original	original

Claim amount

This time I went in and out of the hospital three times, including one emergency room visit and two outpatient visits, plus purchasing some medical supplies. The total total cost was about 5,500 yuan.

project	cost
Cost of 3 hospital visits – emergency room x1, outpatient clinic x2	About 2,500 yuan
Medical supplies – gauze, iodine, cotton swabs, crutches, scar removal gel	About 3,000 yuan
Ambulance-too generous	free
	5,500 yuan

The total insurance claim amount this time is 9,420 (= 7,820 + 1,600), which should be pretty good.

Precautions

Claim application time

Usually, you need to wait until you recover to apply once, otherwise it would be a waste of time to fill out the application form several times. It took more than a month from the emergency room when the accident occurred to the removal of stitches in the outpatient clinic. Finally, I went to the orthopedics department for X-rays because I was worried. The time from sending the claim application to receiving the claim is about 10 days, which the rich man feels is quite efficient.

Copy of receipt

The rich man naively photocopied the hospital receipt at first, and then asked the hospital to stamp it (laughing), but of course it didn’t work. A copy of the receipt is actually applied directly to the hospital for payment, please note! When applying, you need to bringHousehold register, It’s really unexpected. I really didn’t know if I didn’t do my homework first, so I made an extra trip.

Claim scope

In fact, it is related to the content of the insurance itself, but after this experience, the rich man thought he had a few tips to share. The medical supplies purchased for the laceration this time included iodine, cotton swabs, salt water, bandages and other basic supplies. Outside supplies. Some medical supplies, such as crutches and scar gel, are relatively expensive. The insurance business says that if possible, you can ask a doctor to write a diagnosis, so that the claim will be more defensible.

In addition to accidents occurring within the school, the school’s student insurance also covers accidents outside the school!

Crutches selection

The most important things to consider when buying crutches are that they should fit your height, be light in weight, and be stable. I originally wanted to buy an underarm crutch for the little rich man, but I didn't expect that the little rich man was too short to use it. In the end, I had to buy him an aluminum alloy four-legged crutch. It was so funny that I commemorated it here. But the little rich man is not a fuel-efficient lamp. He only took the crutches to school for one day and then didn’t bring them again. It was really a waste.

The aluminum alloy four-legged crutches need to be purchased alone and can be retracted. Of course, the little rich man uses it to shorten it to the shortest. It has four legs, so it is quite stable to use. The method of use is to hold on at a fixed point + jump on one foot. The child is really full of energy. There is no problem in using it.