Xiao Nuo answer:
Hello!
There are three different forms of health insurance: fixed payment, expense reimbursement and hospitalization subsidy.
1. Fixed payment type means that the insurance amount is determined by both parties when signing the contract. After the insured suffers from the disease stipulated in the insurance contract for the first time and is diagnosed by the medical institution designated by the insurance company, the insurance company will pay the insurance money to the insured in one lump sum according to the contract, and the insurance contract or insurance liability will be terminated. No matter how much medical expenses occur in the future, the insurance company will no longer be responsible for the treatment of diseases.
2. Expense reimbursement means that the insurance company reimburses the medical expenses actually paid by the insured according to the proportion agreed in the health insurance contract, but the total amount cannot exceed the insurance amount of this type of insurance. If the insured's medical expenses are reimbursed through social medical insurance or other means, then the insurance company will only compensate the difference.
3. Hospitalization subsidy refers to a kind of health insurance product that the insurance company pays the insurance money according to the actual hospitalization days of the insured and the daily subsidy standard agreed in the contract. The main feature of hospitalization subsidy insurance is that the payment of subsidy amount does not consider the actual medical expenses, but only provides subsidies according to the number of days of hospitalization. It should be noted that most of the hospitalization subsidy insurance has strict restrictions on the maximum days of compensation for each hospitalization, which generally cannot exceed 180 days. It can be seen that the insurance payment of hospitalization subsidy insurance has nothing to do with the actual medical expenses incurred by the insured, and the insurance company pays the insured health insurance according to the subsidy standard agreed in the contract.