Medical and accident insurance claims have time to node

Wang readers to buy an insurance policy, including in-patient costs 6,000 yuan compensation insurance, accident insurance 200,000 yuan and 50,000 yuan accident medical insurance. Not long ago, Xiao Wang from the stairs and fell down, comminuted fracture of his left leg after surgery, played in the foot, steel plate, a doctor needs Xiao Wang reminded the rest a year, long bones removed for good after the surgery board.

Question: This is an accident a year after the board removed the surgery, medical and accident insurance can pay it? How to pay?

Answer: accident medical insurance refers to the insured as a result of the accident suffered injuries in the hospital emergency room doors or in-patient treatment in general wards, each of the accident from the date of the accident within 180 days of reasonable and necessary to have a first aid and fares Social insurance in line with the location of the basic medical insurance to cover the range of reasonable and necessary medical expenses, after deducting certain amount of deductible, according to the insurance companies pay 100% of the proportion of medical and accident insurance. It should be noted that the accident medical insurance is paid for the period, in terms of insurance made it clear that "the insured suffer from accidental injuries from the date of 180 days", that is, if this accident from more than 180 days on The accident does not belong to the scope of the claims. Therefore, Wang one year after the board removed the surgery, medical and accident insurance does not pay for.

However, compensation for the cost of hospitalization insurance in general does not limit the period, Wang or hospital fees can be paid in compensation insurance. Therefore, experts advise you to do in the insurance plans, must be comprehensive and thoughtful, not difficult to strike a balance.