1, deductible clause. This clause is a common clause in health insurance contracts, and it is also one of the important features that distinguish health insurance contracts from other life insurance contracts.
2. Proportional payment clause. If the medical expenses exceed the deductible, the insurer and the insured shall share the proportional compensation.
3. Term of payment. This clause stipulates the maximum medical expenses or service amount of the insured. The insurer shall bear the amount within the limit and the insured shall bear the amount beyond the limit.
4. Waiting period clause. Reduce adverse selection of policyholders and control moral hazard.
5. Beneficiary clause. This clause stipulates that the beneficiary of a health insurance contract is the insured himself. If the insured dies, his insurance money will be taken as the insured's inheritance and inherited by his legal heirs, which is different from other insurances under life insurance.