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

A few days ago, this stubborn species was vomiting early in the morning. The movement was so loud that I almost thought it was going to spit out a few octopus hands from its mouth and transform into an element-devouring beast

This stubborn kitten also likes to "vomit on the move". After vomiting for a while, people have to move to another place and change directions before vomiting. So I followed it and wiped the floor from the balcony to the kitchen. As I was wiping, I suddenly felt something was wrong: it was just transparent foam at first, then slowly turned green, then yellow-green, and even a little brown, and there was no hair or anything in the vomit.

PS: After listening to the sharing of this podcast guest molly, I immediately arranged insurance for Mr. Cat

An amount of money like this is neither high nor low, neither big nor small. The illness was just enough to experience the claim settlement (occupational disease, please forgive me), so I immediately asked the hospital for an invoice to submit the claim.

Let me talk about the conclusion first. The claim settlement speed is very fast. The case was settled and paid out the next day after uploading the information. I will share the detailed process and feelings with you below.

Sharing the claims process

1. My pet insurance is purchased through Alipay, so I first search for "Ant Insurance" on the Alipay homepage, enter "My Policy", and find the claim I need to make. policy, and then click "Apply for Claims"

2. Fill in and upload relevant information according to the operation prompts

There will be a [Claims Instructions] here to introduce the claims efficiency, compensable expenses, etc. , through this page you can understand the general claims process, and it will also remind us what information we need to prepare, such as photos of the pet during treatment.

(I went to a designated hospital. When I communicated with the doctor, I told him that I had pet medical insurance. The doctor reminded: Then you need to take a few photos of the kitten when it was seeing a doctor, so that you can see the face clearly. If she hadn’t reminded me, I might not have remembered to take the photo)

After clicking "Agree Agreement, Apply Now", the first thing you need to check and fill in is some basic information about the cat and yourself.

PS: Frontal photos are pretty easy to take, but nose print photos may require the use of force if you meet someone like mine who likes to move around.

After filling in the basic information, It’s time to fill in the medical status page.

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

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After filling out everything, it’s time to upload the materials. There is a [one-click synchronization] function that can automatically import our medical information at this pet hospital, which is quite convenient.

But I don’t know if I applied too early. There is no medical information about this time in the system, so I chose to upload it manually and uploaded medical records, invoices, examination orders, and photos of the medical treatment, etc. wait.

There are two points to be reminded here:

① When asking a hospital to issue an invoice, the invoice must be made in the name of the [Insured Person], not the one who takes the kitten to the doctor. The owner information left in the person or hospital.

For example, the information I left at the hospital was a pseudonym. When issuing the invoice, I had to specifically tell the front desk sister to prevent the wrong invoice

②The doctor may not be able to remember to give you the medical record. You have to ask for it yourself.

In addition, medical records and examination reports are two types of data. Medical records record medical history, diagnosis and treatment methods, while examination reports are an objective reflection of the condition of the area being examined. When claiming medical insurance, these two Both are indispensable (whether it is a human or a cat)

Because claims settlement itself is a very personal process, even if it is the same process, some people may feel good about it, and some people may feel worse about it. Even if it is two different claims for the same person, The results or experience may also be different due to different reasons for applying for claims, different amounts, different information, and different claims reviewers. This has no direct bearing on which product you bought.

So don’t buy this product or switch to this one just because my claim for this product was successful, or because I shared my feelings well.

2. [Spent 1059, reimbursed 367.5] This result is actually higher than my estimated claim amount.

Let me give you a rough overview

The medical insurance I bought has a deductible of 200 yuan for outpatient services. If it is reimbursed at a designated hospital, the reimbursement rate is 70%. This is easy to understand. For example, if you spend 1,000 yuan to see an outpatient clinic, if you only calculate according to this logic, the amount that can be claimed is: (1000-200) * 70% = 560 yuan

But but! This 1,000 yuan is not necessarily an item that can be reimbursed. What does it mean? There is also an exclusion section in the terms (items that are not covered by claims)

For example, the one I bought has the following items that are not covered by claims:

Like prescriptions Food, medicines, vaccines, etc. that begin with the word "feeding certificate" will not be compensated. I originally thought that the medicine injected would be classified as a vaccine and exempted, but it turned out that it was not. Only the medicine and the feeder with the "feeding certificate" were removed.

3. To be honest, I didn’t study the terms carefully when I bought this medical insurance, I only took a general look at it.

Because I feel that my cat is a garden cat with relatively good physical fitness and a low probability of being used. In case of a serious illness that exceeds my financial level, at least I still have an insurance policy. I didn't want to give up treating it because of money, so I didn't pay much attention to the details at the time and bought it quickly.

When seeking medical treatment, I am in a state of "concern leads to chaos". I just want to get treatment quickly and have no time to worry about the exemption clause.

When I review this matter now, I feel that if I had gone to the doctor with a good understanding of the terms, I would have communicated with the doctor in advance as to whether he could prescribe the drug with the veterinary drug approval, instead of starting with the word "feeding certificate" Yes, you should reimburse as much as you can. So friends who buy pet medical insurance must read the terms carefully in advance!

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

Unlike human medical insurance, even in designated hospitals, doctors may not be clear about what can and cannot be reimbursed through pet medical insurance.

At least the doctor I met couldn’t figure it out. She also kindly suggested that I get the prescription food from their hospital so that I could apply for insurance. However, many years of experience in the insurance industry told me that , this kind of thing is most likely not reimbursable. After looking at the terms and conditions, it turns out that it can't be reimbursed

Of course, there are probably doctors who know better, but we have to read the terms ourselves to some extent, and we can't just rely on doctors. After all, they There is really no obligation to understand the claims rules, just in case you get split.

5. Although the amount of the claim this time is not large, at least the premium is "earned" back. If you go back for a review after a while, if you incur expenses, you can still continue to be reimbursed, and because it is the same time Accident, there is no deductible.

6. The product I bought has a single reimbursement limit of 1,500 yuan. That is to say, even if I spend 10,000 yuan on a certain illness, the maximum reimbursement is 1,500 yuan.

I am ashamed to say that I actually found out about this restriction only after I made the claim. But I am fortunate that it is not a serious illness, otherwise I would be dumbfounded when I made the claim.

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

Finally, I hope all furry kids are healthy!