I have settled the claim for the medical insurance I bought for the cat owner. I will share some experiences!

Hello everyone, I am Qiqi, who has a stubborn dairy cow cat at home.

A few days ago, this stubborn girl was vomiting early in the morning, and the movement was so big. She almost thought it was going to spit out a few octopus from her mouth and turned into a Yuan-eating beast.

This stubborn girl also likes to "move and vomit". After vomiting for a while, they have to move to the ground and vomit in a different direction. So I followed it all the way, rubbing the floor from the balcony to the kitchen. As I rubbed it, I suddenly felt something was wrong: at the beginning it was just transparent foamy, and the back slowly turned green, turned yellow-green, and even a little brown, and there was no hair in the vomit.

The kitten looked depressed and not very energetic. He thought he would not observe for a long time, but after more than an hour, he still vomited from time to time, so he picked up the listless kitten, stuffed it into his cat's bag and went straight to the hospital. The process of packing a cat bag was particularly silky and there was no trace of struggle. This reaction also made me feel sank. It seemed that the little guy was really uncomfortable.

After arriving at the hospital, I just had a check-up, asked about the symptoms, then shave my stomach and hair and then took ultrasound and DR. Finally, the diagnosis was cholestasis and mild enteritis. I needed to receive three consecutive days of subcutaneous injection (three injections a day), and I also had to take biliary drugs. A total of more than 1,000 yuan (not including prescription food)

One word: expensive! While the flesh hurts, I’m also a little “excited” because I’ve bought a pet medical insurance!

PS: After listening to the sharing of this podcast guest Molly, he immediately arranged insurance for Lord Cat

Such a high or low amount, not too big or small disease, which can be used to experience the claim (for occupational diseases, please forgive me). So he immediately asked the hospital for an invoice to submit the claim.

Let me talk about the conclusion first. The claims settlement speed is very fast. The case will be closed the next day after uploading the information. I will share with you the detailed process and feelings.

Claim Process Sharing

1. My pet insurance is insured on Alipay, so first search for "Ant Insurance" on Alipay's homepage, enter "My Insurance Policy", find the policy that needs to be settled, and then click "Apply for Claims"

2. Follow the operation prompts and fill in and upload relevant information

Here will be a [claim instructions] to introduce the claims efficiency, compensation costs, etc. Through this page, you can understand the general claims process, and also remind us what information we need to prepare, such as photos during pet treatment.

(I went to a designated hospital. When I communicated with the doctor, I said that I had pet medical insurance. The doctor reminded me: Then you need to take a few photos of the kitten when he was treated. You must be able to see the face clearly. If she didn't remind me, I might really not remember to take it)

After clicking "Agree with the agreement, apply immediately", the first thing you need to check and fill in is some basic information about the cat and yourself.

PS: The front face photo is quite easy to take. If you encounter a nasal pattern photo like my family, you may need to use force. After filling in the basic information, you will arrive at the page for the medical treatment.

After selecting a hospital for treatment, it will automatically pop up whether it is a designated hospital and the corresponding reimbursement ratio (the rule of my product is that a designated hospital is 70% reimbursement for non-determined hospitals and 60% reimbursement for non-determined hospitals)

After all, we have reached the last step - uploading the materials. There is a [one-click synchronization] function here, which can automatically import the medical information we have in this pet hospital, which feels quite convenient.

But I don’t know if I applied too early, and there is no medical information for this time in the system, so I chose to upload it manually, uploading medical records, invoices, checklists, photos during the medical treatment, etc.

There are two points to remind you here:

① When looking for a hospital to issue an invoice, the invoice must be [insured]. Don’t issue it as the person who takes the kitten to see a doctor or the owner’s information left in the hospital.

For example, the information I left in the hospital is a pseudonym. When issuing the invoice, you have to specifically tell the front desk sister to prevent the mistakes

② The doctor may not be able to remember to give you medical records, but you have to ask for it yourself.

In addition, medical records and examination reports are two types of data. Medical records are recorded, diagnosis and treatment methods. Examination reports are an objective reflection of the status of the examined part. When making medical insurance claims, both are indispensable (whether they are humans or cats)

This is medical records

This is examination report

3. After submitting the information, I received a text message about the claim settlement the next afternoon. The whole process was very silky. The

claims details are also very clear.

The compensation is directly transferred to the Alipay balance.

At this point, the entire claim process has been completed.

Experience and feelings after claim settlement

1. The overall feeling is smooth, whether it is filling in information, passing on information, or claim settlement efficiency, it is quite smooth. Of course, this "smoothness" is not replicable, it is just to share the feelings this time.

Because claims are a very private process, even if the same process is the same, some people may feel good, while some people will feel bad. Even if the same person has two different claims, it may also be due to different reasons for applying for claims, different amounts, different information, and different claims reviewers, resulting in different results or experiences. This has no direct connection with which product you are buying.

So don’t buy this product or change it to this one because I’ve successfully settled my claim, or because I share my feelings well.

2.【It took 1059, and the reimbursement was 367.5】This result is actually higher than the claim amount I estimated.

Let me tell you about the medical insurance I bought

. The outpatient clinic will have a deductible of 200 yuan. If you are reimbursed in a designated hospital, the reimbursement ratio is 70%. This is easy to understand. For example, I spent 1,000 yuan to see the outpatient clinic. If you only calculate according to this logic, the amount that can be claimed is: (1000-200) * 70%=560 yuan

But however! This 1,000 yuan is not necessarily a reimbursement item. What does it mean? There is also a part that will be exempted from liability in the terms (items that are not paid for)

For example, the one I bought has these items that are not paid for:

For example, prescription food, drugs, vaccines, etc. starting with feed certificates, etc., are not paid for. I thought the kind of drug injected would be classified as a vaccine for removal, but in the end, I only removed the drug and the feeding device with the feeding certificate.

3. To be honest, when I bought this medical insurance, I did not study the terms carefully, I only read the general ones.

Because I think my family is a pastoral cat with good physical fitness, and the probability of using it is not high, just in case I get seriously ill and exceed my economic level, I have at least one insurance policy so I won’t give up the treatment for it because of money, so I didn’t pay much attention to the details at the time and bought it very quickly.

When I was seeking medical treatment, I was in a state of "care and confusion". I just wanted to treat the disease quickly and had no time to control the exemption clause or something.

When reviewing this matter, I feel that if I had been to the doctor when I was very familiar with the terms, I would communicate with the doctor in advance whether I could prescribe the veterinary drug approval document, rather than the ones starting with the feeding certificate. If I could report it more, try to report it as much as possible. So friends who have bought pet medical insurance must pay close attention to the terms in advance!

4. In fact, doctors may not necessarily understand the claims rules.

is different from human medical insurance. Even in designated hospitals, doctors may not know what can be reimbursed through pet medical insurance and what cannot be reported.

At least the doctor I met didn't understand. She also kindly suggested that I also take prescription grain from their hospitals so that I could apply for insurance. However, years of insurance experience told me that I am likely to be unable to apply for such things. Finally, I looked at the terms, and it was impossible to apply for

Of course, there are probably doctors who understand more, but we have to look at the terms ourselves and we can't just rely on the doctors. After all, they really don't have the obligation to understand the claims rules, what if they do splits.

5. Although the amount of the claim is not too much this time, at least the premium is "earned" back. If you go to the review later, if the expenses are incurred, you can still be reimbursed. Moreover, because it was the same accident, there is no deductible.

6. The product I bought has a single amount of reimbursement limit of 1,500 yuan, which means that even if you spend 10,000 yuan a day when you get sick, you will be reimbursed at most 1,500 yuan.

It’s a shame to say that I actually found out that there was this restriction after I settled the claim. Fortunately, it was not a serious illness, otherwise I would be stunned when I settled the claim.

7. To summarize, after this claim, I will focus on pet medical insurance in the future: ① List of designated hospitals ② The upper limit for compensation for whether there is a single accident, and how is it stipulated? ③ Disclaimer clause ④ Reimbursement ratio

Finally, I hope all the children will be healthy!