Rationality of refusing to apply for insurance card in breast augmentation hospital
With the development of society, more and more people begin to pay attention to their appearance, and breast augmentation surgery has become a popular way of beauty. However, the refusal of some breast augmentation hospitals to apply for insurance cards has raised questions. Next, we will discuss the rationality of breast augmentation hospitals refusing to apply for insurance cards from the perspective of hospitals.
1、 Operation expenses do not meet the insurance reimbursement requirements
The cost of breast augmentation surgery is relatively high, usually tens of thousands of yuan or more. However, insurance companies have certain restrictions on the reimbursement of cosmetic surgery. They often require doctors to issue medical necessity certificates for surgery, and a large number of medical records and examination reports are required as the basis. However, as breast augmentation surgery is a non life necessary cosmetic surgery, it is difficult to meet the reimbursement requirements of insurance companies for surgery. Therefore, the hospital's refusal to apply for an insurance card can avoid disputes between the hospital and patients.
In addition, because breast augmentation surgery is an unconventional operation, there are certain risks. Insurance companies are also more cautious about this, and generally will not easily underwrite it. Therefore, for hospitals, refusing to apply for an insurance card can also reduce the insurance claims caused by surgical risks.
2、 Insurance costs are insufficient to cover the whole process
For breast augmentation surgery, the cost of surgery is only a part of the expenditure, and patients also need to purchase the drugs needed after the surgery and carry out rehabilitation care. However, insurance companies usually only reimburse the surgical expenses, and do not cover these additional expenses.
In addition, the recovery process after breast augmentation surgery is a long process, and patients need regular follow-up and post care. Insurance companies also have limited coverage of these treatment processes. Therefore, the insurance card does not have much practical significance for patients undergoing breast augmentation surgery, and the hospital's refusal to apply for the insurance card can avoid increasing the hospital's burden due to the insurance reimbursement problem.
3、 The review process of insurance companies is complicated
The review process for surgical reimbursement by insurance companies is usually relatively cumbersome, requiring patients to provide a large number of materials and certificates. As the provider of surgery, the hospital needs to cooperate with patients to provide relevant information and participate in the audit process. This will increase the operation cost of the hospital and interfere with the management of the hospital.
In addition, insurance companies often require hospitals to improve and standardize operations to improve medical quality. However, breast augmentation surgery as a personalized surgery, doctors need to make personalized surgery plans according to the patient's physical conditions and needs. Therefore, the audit requirements of the insurance company may conflict with the actual situation of the hospital. Refusing to apply for an insurance card can reduce the friction between the hospital and the insurance company, and ensure the independence and professionalism of the hospital during the operation.
4、 Insurance card requires additional labor costs
The hospital needs to invest a lot of human resources to process insurance cards, including card production, personal information entry and update. Moreover, once the insurance card is handled, the hospital also needs to exchange information with the insurance company, including surgical reimbursement, transmission of medical records, etc. This has a certain impact on the hospital's operating costs and efficiency.
Therefore, the hospital's refusal to apply for an insurance card can reduce these additional labor costs and improve the hospital's work efficiency. At the same time, refusing to apply for an insurance card can also reduce the risk of cooperation between the hospital and the insurance company and ensure the normal operation of the hospital.
Summary
The rationality of breast augmentation hospital's refusal to apply for insurance card mainly comes from the following aspects: the surgical expenses do not meet the insurance reimbursement requirements, the insurance expenses are not enough to cover the whole process, the audit process of the insurance company is tedious, and the insurance card requires additional labor costs. These factors make the insurance card has no practical significance for breast augmentation surgery. The hospital's refusal to apply for the insurance card can ensure the independence and professionalism of the hospital, reduce additional operating costs, improve work efficiency, and ensure the normal operation of the hospital.
