Hello: First, let's see what insurance you have. Does it include insurance liability for medical expenses? Second, look at when you applied. Generally speaking, medical expenses have a three-month observation period. In other words, if your illness is within three months, the insurance company will not compensate you. On the contrary, after three months, the medical expenses will be borne by the insurance company. As for how much you can reimburse, it depends on how much you spend.