What is a down payment?
It is the amount that the policyholder has to pay when making a claim 墊底費 with the insurance company, and the insurance company will pay the remaining claim amount according to the maximum coverage limit of the insurance plan.
Measure one: to achieve low premiums and high protection
Medical insurance often contradicts medical insurance, single coverage, low coverage, and high-end medical insurance, with high premiums that also provide high guarantees, with total coverage that can be calculated in the tens of millions of dollars per year.
If you use the lowest cost option, the premium is relatively cheap.
Assuming Dad has corporate group health insurance, which can be used to offset the bottom-up cost of individual health insurance, e.g.
Dad’s personal development health insurance company chooses a plan with a $15,000 deductible
Total inpatient medical costs: $70,000
Corporate group coverage limit: $30,000
The father can claim $30,000 from group health insurance and the remaining $40,000 ($70,000 to $30,000) can be claimed from individual health insurance.
Health insurance with minimum payments is available to those who already have other health insurance
Tip #2: No itemized limits claim to the end
General health insurance coverage has limits on items such as inpatient room levels, meals, surgery and indemnity, assuming $1,000 and an actual cost of $1,200, or $200 over the payment limit.
Even if there are other safety items that are not claimed, they do not compensate each other. There is no item limit for CIGNA Premier Health Insurance, and the maximum amount is calculated based on the total amount of the full benefit, making the benefit amount and coverage more flexible.
The insured can be insured together with their family members to provide comprehensive medical services for the whole family.