Health insurance has both compensation and compensation.
There are so many types of health insurance, so health insurance can be divided into three types according to payment methods, namely, payment type, reimbursement type and subsidy type. The following is a detailed introduction to these three types.
First, the mode of payment
This is the most common payment method. Once there is a corresponding disease or something agreed in the insurance, the insurance company will directly pay the other party a certain amount of insurance money according to the established compensation requirements. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
Second, the reimbursement type
Medical insurance, which is often encountered in daily life, is such a payment method. Generally speaking, it refers to a way that the insurance company pays the insured a certain fee according to a certain proportion of the insured's actual medical expenses when the insured has an accident or illness.
Third, the types of subsidies.
This is a form of payment in the form of subsidies. The amount of these insurances usually has nothing to do with the actual expenses of the insured. Mainly calculated according to certain standards, such as hospitalization insurance. The amount of subsidy is determined according to the specific time of hospitalization, and calculated by the number of days.
The differences among the three payment methods in the world give us a deeper understanding of the interpretation of commercial health insurance. Especially now, there are more and more contacts with commercial health insurance. Knowing the payment method will help us better understand the specific types of health insurance and buy the insurance that suits us best.
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