Unverified80% confidenceDecision RuleTime unknown
'意外医疗'条款要看是否限社保范围、有无免赔额及报销比例，'0免赔+不限社保100%赔付'的医疗条款价值远高于'100元免赔+社保内80%'的产品
1
Sources
80%
Confidence
Long-term
Relevance
-
First Seen
Sources
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Unverified意外医疗0免赔且不限社保报销，相比同类产品在医疗报销条件上较优，适合希望自费药也能覆盖的用户78% similarUnverified不承保已知既往症相关的医疗费用，有慢性病或既往病史的投保人需注意免责条款，相关就医可能被拒赔74% similarUnverified不承保被保险人已知的既往症（pre-existing conditions），有慢性病或已确诊疾病的人群需注意相关医疗费用可能被拒赔66% similarUnverified确认条款是否将「麻醉费、住院观察费、术前血检/影像」计入报销范围，这三项在实际手术账单中常占总费用的30%-40%，仅报销「手术操作费」的产品实际报销额会大幅缩水65% similarUnverified优先选择含'直付/垫付'条款的医疗险，避免只能'先自付后报销'——境外大额住院自付可能需数万至数十万现金，报销制会造成严重现金流压力64% similar
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