账务和直付保险指南
Instruction of Direct Billing
感谢您选择里奥诊所的医疗服务。我们接受由大部分主流保险公司提供的医疗保险计划，并不断更新保险公司名录。本指南将为您解释我们将如何处理您的保险理赔，其中将包含您在里奥诊所下的账务及责任。
Thanks for choosing Leo clinic service. We accept health plans offered by most major insurance carriers. We update our list of insurance providers frequently, please call us for more information.
如何理赔？
How we handle insurance claim at Leo Clinic?
我们给您的保险公司提供您每次就诊的帐单明细，您将在当日医疗服务结束后被要求支付您的保险计划中共同支付部分及免赔额，以及您保险计划不承担的金额。由保险公司支付的金额根据您所持有的医疗保险计划而定。如果您对自己的保险覆盖范围有任何疑问，请拨打保险卡上的电话号码进行咨询。医疗费用的自付部分以及需现款支付的费用，可用支票、借记卡和信用卡支付。
特别提醒：里奥诊所只为每位患者提供一家保险公司的直接结算服务。
We provide the bill details to your insurance provider for each visit. The amount of the payment depends on your health insurance plan. You may cover the co-payment or deductible. Please call the number on your insurance card if you have any questions and to get more information about your coverage. For your co-payment or for those who prefer to pay out-of-pocket, we accept checks, debit cards and credit cards.
Please note: We only accept primary insurance coverage for direct billing.
如果我没有保险该怎么办？
No Insurance?
里奥诊所提供的医疗服务及价格适用于保险客户及非保险客户，非保险客户可以联系里奥诊所合作的直付保险机构，通过他们的官网或服务电话自行选择您所需要的商业医疗保险产品，里奥诊所的员工不会向您直接或间接的销售商业医疗保险。同时里奥诊所为您提供了丰富的医疗服务套餐，从而可以很大程度上为您提供优惠价格。非保险客户需要在就诊治疗结束后，全额支付产生的医疗服务费用。
We are providing quality and accessible medical service to both policyholder or non-policyholder with reasonable & standard service price. You may find the direct billing arrangements in place with a continually expanding list of insurance providers on the website, ask our staff if you need help. We also provide the service promotion package as preferential price for your option.
Non-policyholder will arrange the payment fully after receiving the service.
我的保险公司是如何支付本次就诊？
How does my insurance pay for the visit ?
我们将整理您的理赔资料，其中包含您必要的就诊资料，并且在您就诊或治疗完毕后以最快的速度寄送至您的保险公司予以理赔，尽最大努力取得您就诊费用的全额支付。为此我们需要您的协助，在您注册登记时请您提供准确的保险信息，修正或不完整的信息将影响到您的账户理赔进程。如果您的保险公司拒绝支付您的费用，您将有责任全额支付您保险公司未理赔的金额。门诊入院观察和入院治疗取决于您的病情及诊断。有些保险计划要求提供转诊信及预授权或者在您保险公司特定的医疗网络内获取医疗服务。如果您未提供或未满足以上条件，您的保险公司将有权拒绝支付您的医疗费用。
如果您对于您的具体保险计划存在疑虑，您可以事先询问您公司的人力资源部、阅读您的保险手册或者致电您的保险公司客服电话。
保险公司有权对医疗服务费用及相关材料内容进行最终的决定。保险预核或预授权将不完全担保您的理赔成功。
We would send the paperwork to your insurance for the settlement of claim, please help us to finish your insurance claim form with personal information；uncompleted or corrected information will infect the claim process. You may pay full amount of the uncovered cost if the claim has been declined.
Hospitalization and outpatient observation will be requested a referral letter / admission certification from doctor and a precertification from insurance with instruction. If you have any question , please communicate with your HR department and read the insurance manual or call insurance customer service.
Please note that the insurance will have the rights to make final decision on the service cost payment. Pre-verification & pre-certification would not guarantee the claim completion.
关于账单？
About the bill ?
您的账单中将体现您就诊、治疗或住院期间的所有合理费用及明细内容。其中将可能涉及：咨询费，化验，检查，影像，治疗，低值耗材，高值耗材，房费，护理费，服务费，药品费。如您对于您的账单存在疑问您可拨打我们的客服热线，或在结账时向我们的客服人员进行询问。
The details of the bill will include the total cost during the period of your visiting, treatment or hospitalization. It relates consultation fee, Lab fee, exam fee, image fee, treatment fee , materiel fee , room charge, nursing fee, service fee, medication fee etc. Please ask for the explanation when you have any concern.
如果我的保险公司没有与里奥诊所签订直付协议该怎么办？
Insurance with non-direct billing with Leo Clinic?
您可以在您就诊前致电您的保险公司客服热线，从而确定您的保险公司是否全部或部分支付给您在里奥诊所的医疗服务费用。假如您投保的保险公司未与里奥诊所签订直付协议，因此您需要全额支付所产生的医疗服务费用，如您投保的保险公司同意承担您在里奥诊所所发生的医疗服务费用，我们将为您提供您自行索赔所需要的资料，以便您向保险公司提出索赔。
If your insurance has not been signed the direct billing agreement with Leo Clinic , you may call their hotline to confirm that they are willing to cover the service cost partially or fully to Leo clinic before you come to visit us. Otherwise, you may make full payment to us and we would happy to prepare whole claim documents for you to self-claim after.
如果此次就诊是急诊情况该怎么办？
Emergency treatment?
对于一些特殊的急诊情况，里奥诊所将根据具体情况提供免费且有限的医疗救治，患者或其直系亲属将签署里奥诊所的《急救护理责任豁免书》。
基于里奥诊所目前有限的急救医疗条件， 我们将为您提供紧急转诊服务。转诊期间所发生的救护车费用需要自行承担。对于保险客户，我们将根据具体发生的急诊费用向保险公司寄送理赔账单；非保险客户，在转诊前，您需要全额支付已发生的医疗服务费用。
In case of an emergency in our clinic, we will provide limited first-aid and basic life-support； you or your next-of-kin will sign the disclaimer of emergency care. Due to the suitable healthcare is not available at Leo Clinic, we will arrange the transferring to the nearest appropriate medical facility for further treatment. We will help the processing. Your insurance will pay for the whole transferring fee including the transportation cost , and you may pay for the non-covered parts.
As for the non-policyholder, after the emergency treatment at the clinic, full service fee would be paid by yourself before the transferring.
如果我没有携带我的保险卡或有效身份证件该怎么办？
Visiting with no insurance card or valid identity certificate?
在就诊时请出示您的保险卡及有效身份证件。根据您保险公司的要求，出于对您隐私及保险权益的保护，我们的客服人员将复印您的保险卡和有效身份证件，作为不可或缺的理赔必要材料之一，随其他文件寄送给保险公司申请理赔。您的保险公司有权因理赔材料中缺少保险卡或您有效身份证件而拒绝支付您本次就诊的费用。如您未携带保险卡或有效身份证件，您该次就诊将无法使用您的直付服务，您将全额支付医疗服务费用。
Based on the insurance claim principles, please show us your insurance card and valid ID for copy when check-in. Those documents are very important and necessary for protection of your privacy and the rights with interests of insurance. Your insurance company would reject the claim if the information has not been completed and corrected. You would not be able to use the direct billing service if you do not bring your insurance card and ID with you when visit the clinic and you will make full-payout.
问题和建议？
Other questions /suggestion?
您的建议将对于里奥诊所十分重要，您可致电里奥诊所的服务电话或服务邮箱，我们的客服人员将竭诚为您服务。
Your suggestion and question are very important to Leo clinic, please leave your message to us, our client service will get back to you as soon as possible.
里奥诊所已与超过20家国际保险公司建立直接结算服务，可代表患者直接向保险公司理赔，全力为患者提供方便。
Leo Clinic has arrangements with over 20 international insurance companies and direct billing is available.
*请注意：理赔范围取决于所购买的具体保险方案
Please note: exclusions may apply based on specific plan type
