Part of it is hospitalization allowance. From the fourth day of each hospitalization, the hospitalization allowance insurance premium shall be paid according to the daily hospitalization allowance amount agreed in the contract multiplied by the actual hospitalization days, that is, the hospitalization allowance insurance premium = daily hospitalization allowance amount × (actual hospitalization days -3 days). The maximum payment for the same hospitalization reason is 90 days. Intermittent hospitalization due to the same reason, and the interval between the last discharge date and the next admission date is less than 90 days, it will be paid according to the same hospitalization reason.
The other part is reimbursement of hospitalization expenses. If this hospitalization has been compensated by social medical insurance before applying for this hospitalization expense insurance, 90% of the necessary and reasonable actual hospitalization expenses paid for this hospitalization will be paid after deducting the compensation. If the compensation for this hospitalization is not obtained through social medical insurance before applying for this hospitalization expense insurance, 70% of the necessary and reasonable hospitalization expenses actually spent after deducting 500 yuan will be paid.