Xiao Nuo answer:
Hello!
Compared with life insurance and personal accident insurance, the insurance payment method of health insurance has the following provisions:
There are three main payment methods of health insurance benefits, namely, cost compensation or reimbursement, fixed payment and hospitalization subsidy. It should be pointed out that in order to prevent the insured from obtaining additional benefits through insurance, according to the principle of loss compensation, the insurer has the right to exercise subrogation for cost-compensated health insurance. That is, if the insured's insurance accident is caused by the third party's responsibility, after the insured has incurred medical expenses, if the medical expenses have been fully or partially compensated by the third party, the insurance company can no longer pay the insurance money or only pay the difference after the third party's compensation. If the insurance company has paid the medical insurance premium, the insured shall transfer the right to claim compensation from the third party to the insurance company, and the insurance company will recover the compensation on its behalf.