2. When traveling abroad, in the event of an accident or emergency medical situation, keep all relevant local medical documentation, which will be required when filing a claim with the insurance company.
3. When traveling abroad, if your luggage is lost or your flight is delayed, obtain the necessary proof of loss or delay from the airline or relevant authorities immediately, as this will be required when filing a claim with the insurance company.
4. For domestic medical treatment, visit hospitals that are part of the public medical insurance network. Ensure the treatments received are within the scope of the public medical insurance drug list. Keep all medical records and medication details, as original documents will be required for reimbursement.
What should I pay attention to when filing a claim?
1. You must file a claim with the insurance company within two years from the date of the incident. Claims filed after this period will not be accepted.
2. Before filing a claim, inquire with your insurance company about the required documentation and prepare everything accordingly.
3. Original copies of invoices and other claim-related materials must be provided—photocopies are not valid.
4. If the insurance company refuses to pay or offers a lower amount, be sure to ask for the reason.
Q&A
Q: If I suffer an accidental injury that results in partial disability, what documents do I need to provide?
A: The following documents are required: medical report, local police report, authorization letter for obtaining the medical report, and others.
Q: If I suffer from an acute illness—such as a severe fever—what documents do I need to provide?
A: The following documents are required: medical record card, pathology report, relevant laboratory and examination reports, original medical expense receipts, and others.
Q: If my laptop is stolen, lost, or accidentally damaged during my trip, what documents do I need to provide in each case?
A: The following documents are required: local police report (for theft or loss), original purchase receipt for the lost item (for theft or loss), repair quotation or original receipt for the damaged item (only for accidental damage), photos of the damaged property (only for accidental damage), and others.