Insurance is a product that we hope we will never need, but when we really need it, we are glad we had planned it in advance. It provides financial support, especially in the event of unexpected events or illness. However, many people may not be aware of the various types of insurance, including supplemental benefits. In this article, we will explore what supplementary insurance is, what requires additional attention when it comes to supplementary insurance, and which insurance products have claims that include supplementary insurance.

What is supplementary insurance?
First, let’s explain what “supplementary insurance” is. "Supplementary insurance premium" is a claim amount item that currently appears in insurance products such as medical out-of-pocket insurance. When the actual medical expenses exceed the upper limit of the amount that can be reimbursed by each claim item, the insurance company will pay the excess amount in the name of "supplementary insurance money."

Things to note when supplementing insurance benefits
The function of supplementary insurance is to cover these medical expenses that exceed the claims, so that everyone does not have to worry about the extra expenses. However, the supplementary insurance also has an upper limit. Therefore, if the actual medical expenses exceed the claim limit of the supplementary insurance, the excess of the supplementary insurance must still be absorbed by you.

Medical out-of-pocket supplemental surgical insurance benefit
In medical out-of-pocket insurance, supplementary insurance is usually used to cover the upper limit of the claim amount that exceeds other claim items, which helps reduce your financial burden. However, the supplementary insurance itself also has an amount limit. Even though it is an insurance product with supplementary insurance, it does not mean that the amount exceeding other claim items can be supported by the supplementary insurance.