1, deductible for a single indemnity, each indemnity has the same deductible, and the part of each indemnity that exceeds the deductible shall be paid according to the insurance contract;
2. The annual deductible refers to the total unpaid amount in a policy year. After exceeding this amount, the excess shall be paid according to the contract;
3. Collective deductible, that is, for group insurance, after the deductible is stipulated, small medical expenses shall be borne by the insured and large medical expenses shall be borne by the insurer.
Usually, deductibles can eliminate many small claims, and the cost of insurance claims is relatively low, which can reduce the premium.
Deductible clause is one of the main features of medical insurance. In health insurance, deductible is generally used for some medical expenses with lower amount, that is, the insurer is only responsible for the part that exceeds the deductible. On the one hand, the insured can afford lower medical expenses; At the same time, after the deductible is stipulated, a lot of work invested by the insurer can be saved. On the other hand, the provision of deductible can urge the insured to strengthen self-control of medical expenses and avoid unnecessary waste.