Xiao Nuo answer:
Hello!
The so-called compensation limit is actually the highest amount of compensation that an insurance company can bear when an insurance accident occurs. Then, how is the compensation limit (insured amount) calculated in health insurance? Generally speaking, it is easy to understand that sickness insurance mostly adopts the method of fixed payment. In medical insurance for reimbursement of expenses, special attention should be paid to whether the compensation limit is calculated cumulatively or itemized. Cumulatively, all the medical expenses incurred by the insured enter the base of payment calculation, and the insurance company pays according to the proportion of the actual medical expenses of the insured as a whole, with the maximum not exceeding the insurance amount agreed at the time of insurance; If calculated separately, it means that the highest payment limit is set for the expenses such as medicine, hospitalization, examination and operation, and the actual compensation amount is usually less than the accumulated compensation amount.
Therefore, when comparing and purchasing the health insurance products of various insurance companies, the insured and the insured should not only pay attention to the absolute value of the compensation limit, but also find out the calculation method of the compensation limit.