Proportional payment clause (also called "insurance proportional clause") is a kind of proportional payment method in which the insurer and the insured share the medical expenses that exceed the deductible. This clause is often used on the basis of deductible. In health insurance, because people's health is the subject matter of insurance, there is no question of whether to insure in full. At the same time, because the danger of health insurance is not easy to control, in most health insurance contracts, there are clauses that the insurer pays the medical insurance premium in proportion. Proportional payment can be fixed proportion payment (such as 70% of the insurer and 30% of the insured) or progressive proportion payment, that is, with the increase of actual medical expenses, the proportion borne by the insurer increases and the proportion borne by the insured decreases. This provision is not only conducive to protecting the economic interests of the insured and relieving their worries, but also conducive to the insurer's control of medical expenses.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.