Hello, you should be talking about hospitalization insurance, which is responsible for reimbursing hospitalization expenses, doctor's treatment during hospitalization, utilization of hospital equipments, surgical expenses, medical expenses etc. The maximum amount of compensation for this kind of insurance is set according to the average hospitalization cost of the patient, and in order to control unnecessary long hospitalization, the insurance company will give you a certain percentage of the payment. For example, if Zhang has appendicitis and has insurance, then the insurance company will give you a maximum compensation according to the average of the money most people have to spend on hospitalization to get this disease. If everyone spends 1W, but you spend 2W for more hospitalization, then according to the past experience, it may just give you 1W or give you a percentage of 90% (1.8W) or 80% (1.6W).
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