Xiao Nuo answer:
Hello!
From the nature of the deductible, the deductible agreed in the health insurance contract mainly has the following two ways:
1, absolute deductible. Absolute deductible means that the insured has to bear a certain loss before the insurance company makes a payment.
2. Relative deductible. Relative deductible refers to the medical expenses incurred by the insured during the insurance period. If it is less than the prescribed amount, the insurance company shall not be liable for compensation; However, when the medical expenses are higher than the specified amount, the insurer will compensate all the losses.
According to the calculation method of deductible, it can be divided into three types: one is a single indemnity deductible, that is, the insured sets a deductible for each claim; The second is the annual deductible, that is, it is calculated according to the total claims of the same insured for the whole year, and only deducted once; The third is the collective deductible, that is, for the insured insured insured by the group, for the same accident, the deductible is calculated according to the accumulated expenses of all members.