Did you go to the medical insurance company to claim for medical treatment?

First, did you report to the travel agency on time after the accident?

Second: Is the hospital you see a doctor designated by the insured insurance company? For example, the accident insurance of Pacific Company purchased by our company for tourists requires hospitals at or above the county level;

Third: there is a certain time limit for insurance claims. Are you within the time limit? Is it overdue?

Fourth: Have you reimbursed more than 600 pieces of social security or paid for it at your own expense? If it is swiped from the medical insurance card, the insurance company cannot report the loss. If it is self-funded, it should be insured, but general travel accident insurance has a basic deductible, and some drugs cannot be reimbursed. How did you get that 600 yuan? Require insurance company audit; It has been difficult for insurance companies to settle claims, and it is basically impossible to fully reimburse them.

Finally, travel agencies generally buy travel accident insurance on their behalf, and the underwriting subject should be an insurance company. So if you want to reimburse, you should inform the travel agency as soon as possible, let them negotiate with the insurance company, and let the people in the travel agency fight for your rights as much as possible.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.