When we talk about health insurance, we usually think of hospitalization, surgical costs, and even emergency room visits. But did you know that in addition to hospitalization, there is also a medical insurance benefit called "hospitalization insurance"? The subsequent recovery of the body is as important as the treatment during hospitalization, so there is hospital discharge insurance. This article will introduce what is hospital discharge insurance? How are claims calculated? and the role it plays in therapy sessions.

Hospital discharge insurance is a benefit item of medical insurance. When we are discharged from hospital due to illness or injury and still need to recuperate at home, the insurance company will pay a benefit according to the terms of the policy. This insurance benefit is like a subsidy for discharge and recuperation, helping us pay for post-discharge recuperation. cost.

How is the claim amount calculated for hospital discharge insurance?
The claim amount for hospital discharge insurance is usually calculated by multiplying a certain percentage of the daily hospitalization insurance amount by the actual number of hospitalization days. The formula is as follows:

Discharge recuperation insurance claim amount = hospitalization daily insurance premium * number of hospitalization days * benefit rate
Hospitalization daily insurance benefit: refers to the daily benefit amount stipulated in the insurance contract.
Number of days of hospitalization: refers to the number of days the insured is actually hospitalized, including the days of admission and discharge.
Benefit ratio: refers to the proportion of hospital care insurance benefits paid by the insurance company, usually 50% or 100%.
For example: the number of hospitalization days is 10 days, the daily hospitalization insurance premium is 1,000 yuan, and the benefit rate is 50%. The claim amount for discharge and recuperation insurance is RMB 5,000 (RMB 1,000 * 10 days * 50%).

When can the discharge and medical insurance benefits for the day of medical hospitalization be used?
When we imagine that someone needs hospitalization due to illness or accident, we know that hospitalization requires hospitalization fees and surgery requires surgical fees. However, everyone may accidentally overlook that if hospitalization is required, you may need to rest at home for a period of time after discharge. In fact, the living expenses lost due to taking leave during this period can also be paid by the insurance company! This can be done with the discharge and medical insurance premium included in the daily amount of medical hospitalization. Discharge recuperation insurance can cover living expenses during home recuperation after discharge, which can be said to be an extra layer of protection for office workers or their families.