Can surgical instruments be reimbursed under commercial insurance?
商业保险手术器具能报吗
要看什么手术，如果手术器具是在商业保险合同约定内的就可以报销，不在范围内的就不能报销。
二、什么是商业保险
商业保险是指通过订立保险合同运营，以营利为目的的保险形式，由专门的保险企业经营。商业保险关系是由当事人自愿缔结的合同关系，投保人根据合同约定，向保险公司支付保险费，保险公司根据合同约定的可能发生的事故因其发生所造成的财产损失承担赔偿保险金责任，或者当被保险人死亡、伤残、疾病或达到约定的年龄、期限时承担给付保险金责。
Professional answer
Can surgical instruments be reimbursed under commercial insurance?
It depends on the surgery. If the surgical instruments are within the scope of the commercial insurance contract, they can be reimbursed. If they are not within the scope, they cannot be reimbursed.
2. What is commercial insurance?
Commercial insurance refers to a form of insurance that is operated through the conclusion of an insurance contract and is for profit. It is operated by specialized insurance companies. A commercial insurance relationship is a contractual relationship voluntarily concluded by the parties. The insured pays the insurance premium to the insurance company in accordance with the contract. The insurance company bears the responsibility for paying the insurance money for the property losses caused by the possible accidents in accordance with the contract, or bears the responsibility for paying the insurance money when the insured dies, becomes disabled, becomes ill, or reaches the agreed age or term.
Not necessarily. It depends on what kind of insurance you bought. Generally speaking, the insurance company can reimburse reasonable and necessary medical expenses. If you need to add equipment due to physical reasons, such as crutches, wheelchairs, etc., it is rare to see insurance that can reimburse. If it is some physical surgery, such as heart stents, or titanium alloy skeletons, the insurance company will reimburse appropriately depending on the situation, but it also depends on the type of insurance.
As long as the surgical expenses meet the conditions, the insurance can be reimbursed. Generally, the cost of domestic materials should have a certain reimbursement ratio, and imported materials are generally not reimbursed.
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