Can be used at the same time, but at present all insurance companies clearly stipulate in the insurance contract that if your medical expenses have been compensated or partially compensated by other means, the insurance company will only pay the medical insurance premium for the remaining medical expenses according to the contract, that is, at most, only the remaining medical expenses can be reimbursed. It is suggested to prepare claim application materials according to the insurance contract after medical insurance reimbursement. In long-term life insurance, after the contract comes into effect for a certain period of time, the insured will apply for a loan from the insurance company with the cash value of his policy as pledge according to the contract. After the applicant applies for a policy loan, he can still apply for a claim in the event of an insurance accident. The insurance company pays the corresponding insurance premium after deducting the principal and interest of the loan, which does not affect the limitation of insurance claims. Please consult the insurance company for details.

Insurance policy loan

It refers to a loan method in which the insured mortgages the policy he holds to the insurance company and obtains funds according to a certain proportion of the cash value of the policy. After the loan, although there is a policy as a guarantee, the insurance protection will not be affected. If you are in danger before the loan is paid off, the insurance company will still make compensation according to the contract. When paying, the principal and interest of the loan will be deducted. For example, Xiaoming bought a term life insurance policy with a coverage of 500,000 yuan, and borrowed 20,000 yuan with the cash value of the policy, with the interest rate of 5%. Six months later, he had a car accident and died unexpectedly. The insurance company paid Xiaoming's family 50-2-6 * 2 * 0.05/12 = 479,500 yuan. 2. Can all insurance policies be loaned? In fact, not all insurance policies can be loaned. Policy loans are based on the cash value of the policy. If the insurance you buy has no cash value, you can't apply for a policy loan. Generally speaking, short-term insurance, such as one-year accident insurance, medical insurance, critical illness insurance and so on. There is no cash value or almost no cash value, so it is impossible to issue policy loans. Those who can make policy loans are all long-term life insurance with cash value of the policy, such as life insurance, dividend insurance, annuity insurance, long-term critical illness insurance and so on. Because the value of investment-linked insurance is always changing, it is generally impossible to make policy loans. In addition, if your policy has been exempted, paid automatically or you are applying for a claim, you can't make a policy loan.

Policy amount

1. The loan amount is 20 16. Document No.76 issued by China Banking and Insurance Regulatory Commission clearly stipulates that the loan ratio of a policy shall not be higher than 80% of the cash value or account value of the policy. In other words, if the cash value of the policy is 6.5438+10,000 yuan, you can only borrow 80,000 yuan from the insurance company at most. Different companies have different loan restrictions, such as 80% for China Life Insurance, 70% for AIA and Allianz Insurance. Friends can call customer service for consultation. 2. loan interest rate loans will definitely involve interest rates. Compared with bank loans, the interest rate of policy loans is still relatively low. The loan interest rate of each company is different, but it is probably higher than the benchmark interest rate of central bank loans in the same period 1% ~ 2%. Some policies will stipulate the floating amount in the terms, while others don't, so you need to call customer service for consultation. 3. Loan time The loan time is generally 6 months, and the loan can be renewed at maturity. Different insurance companies have different requirements for renewal. Generally speaking, if it is necessary to renew the loan, the principal and interest of the last loan will be recorded as a new loan and the interest will be recalculated.