Xiao Nuo answer:
Hello!
There are two main ways to pay for health insurance:
1, compensatory payment. Within the limit of insurance amount, the insurer pays medical insurance money according to the medical expenses actually paid by the insured, that is, the amount of insurance money cannot exceed the medical expenses actually paid by the insured.
2. Fixed payment. Fixed payment health insurance is applicable to the fixed payment principle commonly used in life insurance. The insurer does not ask the insured what the actual medical expenses are, but only pays the medical insurance premium according to the agreed amount.