The deductible line of medical insurance payment is 0 yuan, and the payment ratio is 90%. What do you mean?

The deductible line of medical insurance payment is 0.00 yuan, and the payment ratio is 90.00%, that is, all medical expenses are included in the payment scope, and the payment ratio is 90% of the total expenses. For example, if you buy hospitalization insurance, the reimbursement rate is 80%, and the insured amount is 65,438+00,000. The remaining invoice cost you claim from the insurance company is 10000 (after social security reimbursement, the insurance company can only reimburse the rest, but not all the expenses of the hospital. It is suggested to apply for social security first, so that it can be overstated, and the social security deductible is higher than that of commercial insurance), then10000 * 80% = 8000; If the remaining invoice fee is 13000, then 13000*80%= 10400. If the insured amount exceeds 10000, the extra 400 will be gone.

The general hospitalization medical insurance will attach a hospitalization allowance responsibility, and pay the daily allowance directly according to the number of days you are hospitalized, and the amount of reimbursement is not included in the hospitalization expenses. Multiple medical insurances can be paid cumulatively, but the expenses paid will not exceed the expenses you spend, and the part other than the deductible is 100%. Accident insurance is divided into accidental disability insurance and accidental medical insurance. Secondly, the number of days of hospitalization or unexpected hospitalization should be subsidized. Accidental disability insurance refers to the medical insurance for accidental injuries, which will be reimbursed in proportion according to the disability assessment after 180 days of treatment (all insured amounts can be accumulated). Some insurance can be reimbursed by social security, and most of them can only be reimbursed by commercial insurance companies. No matter how many companies are insured, they are ultimately reimbursed within the cumulative limit, which is based on the principle of unprofitable compensation for actual medical expenses. Accidental medical hospitalization days are compensated according to the actual hospitalization days and based on the purchase days.