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当前,随着医疗体制改革的逐步深入,商业医疗保险的险种和产品日益丰富。但是,保险专家提醒,商业医疗保险作为一种补偿型保险,一般采用补偿方式给付医疗保险金,即保险金的赔偿不能超过被保险人实际支出的医疗费用,所以,商业医疗保险重复投保并不能得到重复理赔。并且,保险专家建议消费者在投保医疗保险时应注意两点:
At present, with the gradual deepening of the reform of the medical system, the commercial insurance types and products are increasingly enriched. However, insurance experts remind that commercial medical insurance as a kind of compensation-type insurance, the general use of compensation to pay medical insurance benefits, that the insurance compensation can not be more than the insured person actually spent medical expenses, so the commercial insurance repeat insurance can not Get duplicate claims. And, insurance experts suggest that consumers should pay attention to two points in the insurance coverage: