There is also a hospitalization allowance for medical insurance, which is the "hospitalization allowance"
Hospitalization allowance insurance is divided into two types according to the claim conditions:
(1) As long as the hospitalization is confirmed, the hospitalization allowance insurance will be insured according to the insured amount. The insured amount is generally 1000- 10000 yuan. For example, the hospitalization allowance insurance in COVID-19, which is popular recently, has a low incidence rate;
(2) According to the days of hospitalization, the hospitalization allowance insurance is paid according to the amount of the insured per day. The insured amount is generally 50- 1000 yuan/day, and the incidence rate is slightly higher. Some products have deduction days, and some products have no deduction days. The latter is much more expensive.
Among them, hospitalization allowance insurance is the most common, and claims are made according to the days of hospitalization.
We usually divide hospitalization insurance into reimbursement hospitalization insurance and subsidy hospitalization insurance.
1. Reimbursement of hospitalization medical insurance
Reimbursement hospitalization medical insurance is compensatory medical insurance, which is a way for the insured to pay the hospitalization medical expenses first and then reimburse them.
When reimbursing, you need to provide the relevant invoices and physical evidence of the insured's hospitalization to the insurance company for settlement.
2. Subsidize hospitalization medical insurance
Subsidized hospitalization medical insurance is a form of payment, which pays the hospitalization medical insurance premium according to the hospitalization time and daily quota initially agreed between the insured and the insurance company.