Insurance premium for hospitalization medical expenses of Pacific Taikang Million Barrels: If the insured is diagnosed as having to be hospitalized by a second-class hospital in People's Republic of China (PRC) or China or other hospitals agreed in this contract, the insurer shall pay the reasonable and necessary medical expenses incurred by the insured during hospitalization according to the agreed compensation ratio, after deducting the agreed deductible,
Hospitalization medical expenses include bed fee, meal fee, nursing fee, bed fee in intensive care unit, medical treatment fee, examination fee, treatment fee, medicine fee, operation fee, etc.