保险条款看晕了 excess到底是什么意思啊

lengchi1203

这个excess是什么意思啊 有的保险里面写excess$300,有的写$500,还有写$0的

Serenity

Excess is if you need to claim certain insurance, you need to pay this excess.

I think higher the excess, the lower the premium.

lengchi1203

Serenity 发表于 2013-11-11 13:20
Excess is if you need to claim certain insurance, you need to pay this excess.

I think higher the e ...

Essential Visitors Cover
$182.38
Monthly
Hospital Cover
   MEDIUM
$0 excess

Extras Cover
   NO COVER

View details
Essential Visitors Cover With Bronze Extras
$227.08
Monthly
Hospital Cover
   MEDIUM
$0 excess

Extras Cover
   BASIC
up to 60% extras paid back*

View details
Essential Visitors Cover With Your Choice Extras
$252.18
Monthly
Hospital Cover
   MEDIUM
$0 excess

Extras Cover
   MEDIUM
up to 60% extras paid back*

View details
Essential Visitors Cover With Silver Extras
$297.28
Monthly
Hospital Cover
   MEDIUM
$0 excess

Extras Cover
   MEDIUM
up to 60% extras paid back*

View details
Gold Visitors Cover
$323.51
Monthly
Hospital Cover
   TOP
$500 excess

Extras Cover
   NO COVER

View details
Essential Visitors Cover With Gold Extras
$362.28
Monthly
Hospital Cover
   MEDIUM
$0 excess

Extras Cover
   TOP
up to 75% extras paid back*

View details
Gold Visitors Cover With Bronze Extras
$368.21
Monthly
Hospital Cover
   TOP
$500 excess

Extras Cover
   BASIC
up to 60% extras paid back*

View details

miao123

Excess means out of pocket. It is the maximum amount you need to pay to cover the insurer's cost.

willhan7

excess费就是垫底费或免赔额，每次住院时候需自己先支付excess费，以上部分保险公司才会报销。你可根据自己需求选择购买$300或 $500，或者其他金额的excess费，excess费越高的，保费自然也越低