Can Suzhou Shumei Medical Beauty Clinic reimburse medical insurance?
Suzhou Shumei Medical Cosmetic Clinic is a medical institution focusing on beauty and plastic surgery. Many people are concerned about whether they can use medical insurance to reimburse this expense when considering accepting beauty and plastic surgery. The following will elaborate on whether Suzhou Shumei Medical Beauty Clinic can reimburse medical insurance from several aspects.
1. Whether cosmetic surgery is covered by medical insurance
First, we need to know whether cosmetic surgery is covered by medical insurance. According to the Guidelines for Payment of Medical Insurance Expenses (2019) issued by the National Health Commission, the items that can be reimbursed by medical insurance are mainly related to the treatment and recovery of diseases, rather than cosmetic surgery to improve appearance. Therefore, in general, cosmetic plastic surgery is not covered by medical insurance.
For example, the common double eyelid, nose augmentation, lip augmentation and other operations belong to the scope of beauty and plastic surgery, and generally do not have the nature of disease treatment, so they cannot be reimbursed through basic medical insurance. However, if serious deformation or dysfunction is caused by an accident, it may be included in the medical insurance coverage.
In general, medical insurance is mainly for treatment and rehabilitation, and cosmetic surgery is not covered by medical insurance. Therefore, the surgery expenses of Suzhou Shumei Medical Beauty Clinic cannot be reimbursed through medical insurance.
2. Medical insurance reimbursement under special circumstances
Although the medical insurance cannot be reimbursed for cosmetic surgery generally, in some special cases, some expenses of Suzhou Shumei Medical Beauty Clinic may be included in the medical insurance reimbursement.
One special case is that if the cosmetic plastic surgery is caused by serious dysfunction due to congenital defects, disease sequelae and other reasons, which affects the quality of life to a certain extent, after hospital evaluation and identification, and approval of the medical insurance department, medical insurance expenses may be reimbursed within a certain range.
In addition, if the patient undergoing cosmetic surgery also suffers from diseases within the scope of medical insurance, some related expenses may be reimbursed within the scope of medical insurance. For example, some operations may require anesthesia, and some of the anesthesia costs may be reimbursed through medical insurance.
3. Applicability of other medical insurance
Although cosmetic surgery cannot be reimbursed through basic medical insurance, some commercial medical insurance companies may provide insurance products for cosmetic surgery. These insurance products generally compensate for the cost of cosmetic and plastic surgery.
Suzhou Shumei Medical Cosmetic Clinic can ask relevant insurance companies to find out whether there are insurance products suitable for cosmetic surgery, which can be purchased according to their own needs. However, it should be noted that different insurance companies have different insurance coverage and terms. Please read the insurance contract carefully to ensure that the insurance purchased can cover your own needs.
4. Medical expenses can be reimbursed separately
Although the cost of cosmetic surgery cannot be reimbursed generally, part of the cost of Suzhou Shumei Medical Beauty Clinic may be split, and the part with medical insurance coverage will be issued a separate receipt for reimbursement.
For example, cosmetic and plastic surgery may require relevant examinations and drug use, and this part of expenses may be invoiced separately from the surgery expenses and partially compensated through medical insurance reimbursement. In addition, the cost of postoperative recovery and care may also be reimbursed through the medical insurance, and you need to consult the medical insurance department according to the specific situation.
Summary
The cost of cosmetic surgery in Suzhou Shumei Medical Beauty Clinic cannot be reimbursed through medical insurance generally. Although it is possible to obtain medical insurance compensation under special circumstances, it needs to be evaluated and identified by the hospital and approved by the medical insurance department. Therefore, if you are considering cosmetic surgery, please know the relevant insurance policies in advance and consult the hospital and insurance company for professional advice to ensure that your interests are protected.
