Accident medical insurance amount of 10,000, no deductible, what does it mean

Hello. It is a zero-threshold reimbursement when making a claim, as long as it is reimbursed proportionally within the reimbursement scope stipulated by the state. Hope it helps. I wish you good health, happiness and a safe life.

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Accidental hospitalization expenses can be reimbursed in real time, up to 10,000!

No deductible means reimbursement is a direct percentage reimbursement based on the amount of money spent.

Directly reimburse the items agreed in the contract on a pro-rata basis, up to a maximum of 10,000 yuan.

There is no threshold fee, and reasonable expenses are fully reimbursed.

Consumption-oriented delivery for one year and one year of guaranteed 'reasonable consumption is fully reported.

No deductible means no threshold fee.

No deductible means no threshold fee.

Reasonable expenses will be reimbursed in full.

That is, there is no deductible, and the compensation is paid directly on a pro-rata basis.

Hello, no deductible means that the odds are zero.

It is a consumption-based medical insurance, which is paid for one year and insured for one year.

There is no deductible, and the maximum reimbursement is 10,000 yuan.

The deductible of 10,000 yuan means that when we signed the contract with the insurance company, we agreed in advance and did not pay you the part.

For example, many million medical insurance companies will now set a deductible of 10,000 yuan, and 100% reimbursement will be made for more than 10,000 yuan. For example, if you spend 100,000 yuan to see a doctor, you can reimburse 90,000 yuan. There is 10,000 that is not compensated. This is what the deductible means. Deductible: He has an absolute deductible.

amount and relative deductible.

The absolute deductible does not include the scope of social security and publicly-funded medical treatment, which means that the scope of reimbursement is not included in the annual deductible. For example, if Hengxiang spends 10,000 yuan once, then the social medical insurance reimburses 5,000 yuan. The medical insurance deductible is 10,000 yuan, so the claim amount applied for is 10,000 minus 5,000, which is 5,000 yuan, because it does not exceed the deductible, and the remaining deductible is 5,000 yuan.

Then the relative deductible is included in social insurance.

and publicly-funded medical coverage. For example, the relative deductible is 10,000, 10,000 was spent at a time, 5,000 was spent on social security reimbursement, and the remaining deductible was 10,000 minus 5,000 for social security reimbursement, which was equal to 5,000 yuan. That is to say, the next time, if we spend 10,000 yuan and the social security report is 5,000 thousand, then the remaining 5,000 yuan can be reimbursed through medical insurance.

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The deductible in the insurance is 10,000 yuan, which means that the insurance company is not responsible for the amount of 10,000 yuan.

That is to say, if the cost of everyone is within the scope of the deductible, then the insured needs to bear the loss, the insurance company does not bear the insurance liability, only the money spent exceeds the prescribed deductible range, the excess part, the insurance company may compensate.

When you buy insurance, in addition to the professional term deductible, you may also encounter professional terms such as waiting period and protection period, so the senior sister has sorted out the common professional terms in this article, and friends in need can check it by themselves: super complete! Everything you want to know about insurance is here.

Since the deductible is the responsibility of the insured person, is it better to lower it? Not necessarily, because the lower the deductible, the greater the risk of claims faced by the insurance company, and in order to cope with this situation, the insurance company can only increase the premium, but in this way, it is equivalent to the wool out of the sheep.

In addition, generally speaking, the deductible will often appear in the terms of medical insurance, so when you apply for medical insurance, you need to see what the deductible is specified in the product, after all, the deductible set by different products is different, for example, the deductible of some medical insurance is 10,000, some are 20,000, etc., at this time, you need to decide which deductible is within the affordable range according to your own needs.

Finally, if you want to buy medical insurance, but don't know which one is good to insure, you can take a look at this list, which is full of cost-effective products: the latest top ten million medical insurance rankings are newly released!

The deductible in the insurance is 10,000 yuan, as the name suggests, it is the deductible amount of 10,000 yuan.

It refers to the amount of loss agreed by the insurer and the insured in advance, and the insured shall bear the loss within the specified amount of 10,000 yuan, and the insurance company shall not be responsible for compensation. Deductibles are mostly found in property and health insurance contracts.

For example, the annual deductible of a common million medical insurance is 10,000 yuan, and during this protection period, the customer must spend at least 10,000 yuan before it can be reimbursed. If the money spent is less than 10,000 yuan, then the insurance company can pay 0 yuan in compensation.

That's all for daddy, I hope it helps.

The deductible of 10,000 yuan means that the cost spent is less than 10,000 yuan, and the insurance company does not pay for it, which is equivalent to 10,000 yuan for the cost of not paying. That is, a limit set by the insurance company.

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Deductibles are commonly found in medical insurance, and a deductible of 10,000 yuan refers to the medical expenses incurred by the insured if the medical expenses reached more than 10,000 yuan, and the insured can apply to the insurance company for reimbursement of medical expenses that meet the requirements of the insurance company; If it is less than 10,000 yuan, you need to pay out of pocket.

So to put it simply, the deductible is the dividing line between being reimbursed and bearing the loss yourself.

If you still don't know much about the content of the deductible, you can take a look at this: What is the deductible? Is the less deductible the better?

It means that the insured's medical expenses are within 10,000 yuan, and the insurance company will not reimburse them, only the part of the cost of more than 10,000 yuan can be reimbursed, simply put, within 10,000 yuan is the consumer's own expense, the insurance company does not care, if it is just a minor injury or illness, it will not cost 10,000 yuan at all, and the money can only be borne by the consumer himself.

The deductible of the Million Medical Insurance is actually a reasonable product design.

It's a win-win for insurance companies and for our consumers, and the existence of a deductible makes millions of medical insurance leveraged.

Very high, spend a small amount of money, you can have a high reimbursement protection when you have a serious illness and need to pay a large amount of medical expenses, and you can avoid a lot of regret and small claims, which reduces the probability of millions of medical insurance claims, and at the same time reduces the operating costs of insurance companies.

In this way, it is possible to give birth to the most people-friendly million-dollar medical insurance.

The deductible of 10,000 yuan in insurance means that the policyholder and the insurance company have agreed in advance when applying for insurance, and it is stated in the insurance contract that if the insured has an insured accident and the amount of loss is within the agreed amount of 10,000 yuan, the insurance company will not be liable for compensation, but shall be borne by the insured himself.

For a simple example: if the deductible of a medical insurance is 10,000 yuan, if the insured incurs medical expenses within the scope of medical insurance reimbursement, but does not exceed 10,000 yuan, the insurance company will not reimburse it, and only the part exceeding the deductible of 10,000 yuan can be reimbursed by the medical insurance.

Further information: There are four types of deductibles:

They are absolute deductible, total deductible, relative deductible, and disappearing deductible.

If the deductible is specified in the contract as 100 yuan, then the loss is less than 100 yuan, the insurance company is not responsible for compensation and needs to be borne by the policyholder;

The total deductible is the sum of all losses during the insurance period, and if it is lower than the deductible agreed in the contract, then the insurance company is not responsible for compensation.

Relative deductible refers to the starting point of the insurance company's responsibility for compensation stipulated in the contract, and in the event of a loss, the insurance company will compensate for the loss of the policyholder only if the agreed amount is reached, and when the loss reaches the specified amount, the amount below the loss will also be compensated;

The disappearing deductible is when the deductible decreases as the policyholder's losses increase.

How is the deductible calculated for Million Medical Insurance?

Medicare reimbursement is not included in the deductible.

Medical insurance is a supplement to medical insurance, generally after the medical insurance reimbursement is completed, the remaining amount of the insurance company will be reimbursed, that is, in addition to the medical insurance reimbursement, the rest needs to be given by yourself, and the cost is in line with the content of the insurance, included in the deductible.

It should be noted that the amount paid in the social security personal account is equivalent to your own expenses, not social security reimbursement, and this part of the expenses can be included in the deductible.

The deductible is calculated on an annual basis.

The deductible of a million medical insurance plan is generally calculated on a yearly basis. Over the course of a year, your medical expenses can be added to calculate the deductible.

In addition, there are some million medical insurance plans with guaranteed renewal cycles ranging from 5 years to 6 years, and their deductibles can also be cumulative, if the amount is reached in advance, the remaining years are equivalent to 0 deductibles.

The portion of commercial insurance reimbursement can be included in the deductible.

The part of the expenses that have been reimbursed by other commercial insurance can also be included in the deductible.

In addition to the million medical insurance, there is also a commercial medical insurance that is low-value medical insurance, which is complementary to the million medical insurance. Medical expenses below 10,000 yuan are first reimbursed by social security, then reimbursed with low-level medical insurance, and reimbursed by millions of medical insurance for those above 10,000 yuan, so that all medical expenses can be basically covered.

The deductible of 10,000 yuan means that the loss within 10,000 yuan is deductible, and the insured needs to bear it himself, and the insurance company will not pay the claim. The deductible, literally, is the amount of the deductible. In other words, if the amount of loss is within the specified amount, the insured shall bear the loss by himself, and the insurer shall not be liable for compensation.

Now there are several deductible methods of insurance, such as inpatient and outpatient medical treatment is divided into 0 yuan deductible, 5,000 yuan deductible, and 10,000 yuan deductible.

Extended Information: Considerations for Medical Insurance.

When applying for commercial medical insurance, in addition to paying attention to the deductible, users should pay attention to some common precautions, such as health notice, renewal conditions, etc

1. Pay attention to the deductible.

The deductible is a clause that restricts the user's claim, so many users feel that the less the deductible, the better. Although there are some medical insurance plans on the market with zero deductible, not only zero deductible is the best option. The main reason is that if the number of small claims increases, the insurance company will inevitably increase a certain cost, and it will eventually be apportioned to the user's head, so insurance products with 0 deductible often do not occupy an advantage in terms of premiums.

For users, the deductible of the insurance product chosen is reasonable, and do not pursue 0 deductible excessively.

2. Pay attention to health notices.

To apply for medical insurance, you need to fill in the health notice, which is the threshold for users to apply for insurance, and under normal circumstances, medical insurance products with relaxed health notices are more beneficial to users. Therefore, when choosing medical insurance, if you are worried about being denied, try to choose an insurance product with a relaxed health notice, and it should be noted that the health notice should be filled in truthfully.

3. Pay attention to the renewal conditions.

Most medical insurance products are short-term insurance products, with a one-year coverage period as the mainstay. For users, the renewal conditions cannot be ignored. As your age changes, your health changes, and if you have strict renewal conditions, you may be denied renewal in the coming year.

At this time, if there is an illness, the medical insurance will not pay, so it is recommended to choose an insurance product with relaxed renewal conditions, and it is better if the renewal can be guaranteed.

Deductibles are generally paid in two ways: one is the absolute deductible.

The other is a relative deductible.

1.Absolute deductible: refers to the amount of loss that the insured has to bear before the insurer makes a claim. Accident insurance usually lasts for one year.

In medical insurance, absolute deductibles are divided into single deductibles and annual deductibles.

For example, if the absolute deductible is 500 yuan and the loss is 1000 yuan, then the absolute deductible will be deducted, and only 500 will be paid in the end.

2.Relative deductible:

When the loss under the policy exceeds the prescribed deductible, the insurer bears the sum insured.

total loss within the unit.

For example, if the relative deductible is 500 yuan, and the loss does not exceed 500, the insurance company will not compensate, if it exceeds 500, such as a loss of 1000 yuan, the insurance company will compensate in full, and will not deduct the deductible.