Coinsurance: Nyiaj npib yog feem pua ntawm cov nqi kho mob uas koj them, nrog rau cov nyiaj seem them los ntawm koj qhov kev pab them nqi kho mob, uas feem ntau siv tom qab koj qhov kev txiav tawm tau ua tiav. Piv txwv li, yog tias koj muaj 20% nyiaj npib, koj them 20% ntawm txhua daim nqi kho mob, thiab koj daim ntawv pov hwm kev noj qab haus huv yuav them 80%.
Puas yog nyiaj npib ua ntej lossis tom qab txiav tawm?
feem pua ntawm cov nqi ntawm cov kev pabcuam kev noj qab haus huv uas koj them (20%, piv txwv) tom qab koj tau them koj cov nqi txiav tawm. Cia peb hais tias koj daim ntawv pov hwm kev noj qab haus huv tau tso cai rau qhov chaw ua haujlwm yog $ 100 thiab koj qhov nyiaj pov hwm yog 20%. Yog tias koj tau them koj qhov kev txiav tawm: Koj them 20% ntawm $ 100, lossis $ 20.
Koj puas tau them koj cov nyiaj npib ua ntej?
Tab sis koj'yuav them ua ntej thaum koj xav tau kev saib xyuas. Koj tseem tuaj yeem nrhiav cov phiaj xwm uas them rau qee qhov kev pabcuam ua ntej koj them koj qhov kev txiav tawm. Coinsurance: Feem ntau, qhov qis dua ntawm txoj kev npaj them txhua hli, qhov ntau koj yuav them nyiaj npib.
Puas yog nyiaj npib them thaum lub sijhawm ua haujlwm?
Nrog cov nyiaj npib nyiaj npib, koj them ib feem pua ntawm cov nqi kho mob-feem ntau tom qab koj tau ntsib koj qhov kev txiav tawm-thiab koj tsuas yog yuav tsum tau them nyiaj ntxiv mus txog thaum koj tau ua tiav koj txoj kev npaj siab tshaj plaws tawm ntawm hnab ris rau xyoo. Koj lub tuam txhab pov hwm kev noj qab haus huv them tus nqi seem.
Puas npib nyiaj npib ib txwm tom qab txiav tawm?
Puas Coinsurance suav rau Kev Txiav Txim? Tsis muaj. Coinsurance yog feem ntawm cov nqi kho mob uas koj them tom qab koj siv tau mus txog qhov txiav tawm. Piv txwv li, yog tias koj muaj 20% coinsurance, ces koj tus kws kho mob yuav them rau 80% ntawm tag nrho cov nqi tshaj qhov txiav tawm.
