<section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section ><span style="color: rgb(33, 89, 103)"></span></section><section ><span style="color: rgb(33, 89, 103)"><strong>理赔简报</strong></span></section><section ><span >投保产品：华泰健康宝宝少儿门急诊保险</span><o:p></o:p></section><section ><span >投保时间：2023年10月25日</span><o:p></o:p></section><section ><span >出险时间：2024年5月23日</span><o:p></o:p></section><section ><span >出险原因：肺炎、传染性单核细胞增多症、心肌损害</span><o:p></o:p></section><section ><span >缴纳保费：<strong><span style="color: rgb(33, 89, 103)">628元</span></strong></span><o:p></o:p></section><section ><span >理赔金额：<strong><span style="color: rgb(33, 89, 103)">2870.09元</span></strong></span><o:p></o:p></section><section ><strong><span style="color: rgb(33, 89, 103)">一、投保回顾</span></strong><o:p></o:p></section><section ><span >2023年10月25日，何女士在懂保爷为2岁女儿续保了一份<strong>华泰健康宝宝少儿门急诊保险</strong>，保费628元。</span><o:p></o:p></section><p ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvR2YySc3JyfUfnGPej312EwCmUCygKDT6hMeUXWiaLibibmo89YURPzCwTztaHZxzUy61ib2q9ooia9MibA%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvR2YySc3JyfUfnGPej312EwCmUCygKDT6hMeUXWiaLibibmo89YURPzCwTztaHZxzUy61ib2q9ooia9MibA/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">何女士保单</span></section><section ><strong><span style="color: rgb(33, 89, 103)">二、理赔过程</span></strong><o:p></o:p></section><section ><span >2023年5月23日，何女士女儿因发烧，前往门诊接受检查，并接受了<strong>连续三天</strong>的治疗。然而，病情并未得到缓解，反而在几天后再次恶化，持续发烧。</span><o:p></o:p></section><section ><span >5月30日，何女士带女儿返回医院进行了进一步的检查，并<strong>拍摄了X光片</strong>。</span><o:p></o:p></section><section ><span >结果显示宝宝患上了肺炎,<strong>住院一周</strong>接受治疗后康复。</span><o:p></o:p></section><p ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvR2YySc3JyfUfnGPej312Ew1Ipc6sQHvJOTKMszl5nN7RnJfR0icePCYBWBh17TibudHibDcwrZrhH2w%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvR2YySc3JyfUfnGPej312Ew1Ipc6sQHvJOTKMszl5nN7RnJfR0icePCYBWBh17TibudHibDcwrZrhH2w/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></p><section style="text-align: center"><span ><span style="color: rgb(136, 136, 136); text-align: center">出院小结</span></span></section><section ><span >6月12日何女士<span >首次报案</span>，但是被审核告知需补齐所缺资料，她不太清楚需要哪些才行，于是便找到我们寻求理赔帮助。</span></section><p ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvR2YySc3JyfUfnGPej312Ew8ANeTtgdbFl9RbqQqhGYKQaMrIgB6MHxlCibAACwqeYLnzuFqgBIFNw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvR2YySc3JyfUfnGPej312Ew8ANeTtgdbFl9RbqQqhGYKQaMrIgB6MHxlCibAACwqeYLnzuFqgBIFNw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">理赔专员指导何女士准备资料</span></section><section ><span >7月4日懂保爷理赔专员在了解了详情后，一步步指导客户需要准备哪些发票与就诊报告，并协助客户重新提交补充资料。</span></section><section style="text-align: center"><span style="color: rgb(136, 136, 136); text-align: center"></span></section><p style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvR2YySc3JyfUfnGPej312Ew9h2RopicSpxWqa0dCI7SKthvzBLN30yqFZzzj7aj1XibnsQQZr0ichcSw%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvR2YySc3JyfUfnGPej312Ew9h2RopicSpxWqa0dCI7SKthvzBLN30yqFZzzj7aj1XibnsQQZr0ichcSw/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></p><section style="text-align: center"><span style="color: rgb(136, 136, 136); text-align: center">理赔专员协助何女士提交资料</span></section><section ><span >7月5日保司审核通过并结案，客户成功获赔。</span><o:p></o:p></section><section ><span style="color: rgb(33, 89, 103)"><strong><span style="color: rgb(33, 89, 103)">三、理赔到账</span></strong></span><o:p></o:p></section><section ><span >最终何女士顺利收到了理赔款。</span><o:p></o:p></section><section ><span >理赔明细如下：</span><o:p></o:p></section><section ><strong><span >门诊报销<span >205.46元</span></span></strong><span ><span >=</span>（发票总金额668.23-医保外费用125.8-免赔额200）赔付比例60%；</span></section><section ><strong><span >住院报销<span >2664.63元</span></span></strong><span ><span >=</span>（票据金额6893.4-医保报销金额3834.3-医保外费用394.47）赔付比例100%。</span></section><section ><strong><span >共计赔付：<span style="color: rgb(33, 89, 103)">2870.09元</span>。</span></strong><span ></span><o:p></o:p></section><p ><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvR2YySc3JyfUfnGPej312Ewrke7PU09dzjbVrXz7hYJ7YylYEVrxlajVicKIPhTcibhIBIruTZzop1Q%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvR2YySc3JyfUfnGPej312Ewrke7PU09dzjbVrXz7hYJ7YylYEVrxlajVicKIPhTcibhIBIruTZzop1Q/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></span></p><section style="text-align: center"><span style="color: rgb(136, 136, 136)">理赔明细</span></section><section ><span style="color: rgb(33, 89, 103)"><strong>四、理赔感悟</strong></span><span ></span><o:p></o:p></section><section ><span >孩子抵抗力弱，最容易发烧感冒了，即使是小病，一年下来也得花个千把块钱。</span><o:p></o:p></section><section ><span >少儿门诊险就是在门诊发生医疗费用也可以报销的险种。</span><o:p></o:p></section><section ><span >相比百万医疗险，少儿门诊险报销<strong>门槛要更低</strong>，哪怕看病住院只花了几百块钱，也有机会报销，实用性非常强。</span><o:p></o:p></section><section ><span >不少<strong>百万医疗险</strong>产品对于一般医疗保险金都设置了<strong>1万元免赔额</strong>，即责任范围内没有超过1万元的部分，需要由被保险人自行承担。</span><o:p></o:p></section><section ><span >何女士购买的<strong>华泰健康宝宝少儿门急诊保险</strong>，疾病门诊<strong>免赔额100元/天</strong>，疾病住院免赔额和意外医疗<strong>免赔额都是0元</strong>。</span><o:p></o:p></section><section ><span >担心孩子生大病，也可以选择<strong>百万医疗+门急诊医疗险</strong>的组合方式。</span><o:p></o:p></section><section ><span ><strong style="color: rgb(0, 0, 0)"><span style="color: rgb(33, 89, 103)"><em ><strong ><span style="text-align: start">有问题，可扫描</span></strong></em><em ><strong ><span style="text-align: start">下图二维码咨询我团队的专业规划老师。</span></strong></em></span></strong></span></section><section style="text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FO95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/O95eeDepqTOpB6SvNluyC7ibynwMqmmaeYaEESkpsJpZYybXqtHXeYNahSKOQ9dUFW3Eq7ibxWIjmRarPG9x0XKg/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /></section><section></mp-common-profile></section><section ><span ><strong style="color: rgb(0, 0, 0)"><span style="color: rgb(33, 89, 103)"><em ><strong ><span style="text-align: start"></span></strong></em></span></strong></span></section><p ></mp-style-type></p>
