It is essentially a claims front. It means that after an insurance accident, when the insured person applies for this service from the insurance company, if the money spent belongs to the scope of coverage, the insured person does not have to pay out of his own pocket, and the insurance company pays it directly to the hospital. The insured person should not have to claim for it even after being discharged from the hospital.
2, hospitalization advance service
This situation is equivalent to the insurance company to lend money to the insured first.
It means that after an insurance accident, the insured person applies to the insurance company for an advance, and after the insurance company reviews and agrees, according to the needs of the insured person, the insurance company is to advance the deposit or hospitalization expenses on behalf of the insured person. After being discharged from the hospital, you still have to apply for a claim, and how much you can still be reimbursed depends on the final conclusion of the claim.
Overall, hospitalization direct payment is similar to medical insurance billing in that you don't have to file a claim after the fact, and you settle the bill with the hospital directly when you are discharged from the hospital. The hospitalization advances are a bit like borrowing money, after the discharge of the hospital is to go through the claims process, the final reimbursement of how much, subject to the conclusion of the claims.
So it looks like hospitalization direct payment is superior to advance payment, does that mean that as long as you buy hospitalization direct payment million medical insurance, in fact, direct payment service is usually more common in high-end medical insurance, million medical insurance is usually advance payment service. We use these services, but also to solve the problem of money in the process of medical treatment, in essence there is no difference between the two.