How to read the insurance deductible and reimbursement ratio in Luoyang?

[Direct conclusion] 【Deductible = the part you pay first (e.g. Key points to keep in mind: 1. under 100 not paid); reimbursement ratio = the share insurer pays above deductible (e.g. 2. 80%/100%); read these plus per-claim/cumulative limits to know the real payout.】 Formula: Deductible + ratio decide your take; must read. 3. | Item | Meaning | |---|---| | Deductible | self-pay threshold | | Ratio | % above threshold | | Limit | per/cumulative cap | ◆ Tip: '0 deductible + 100%' is best but pricey; ordinary pick 'low deductible + high ratio'; ask if limited to social-drug list. 4. For clauses call to interpret. Note: Report the incident right away and keep every receipt and medical record. Junwei International Travel Agency (License No. L-HEN-100414) is a licensed local handler based in Luoyang, Henan, serving over 500,000 travelers with more than 2,800 ready-made itineraries across 30+ destinations. Call 130 1764 8055 for a detailed itinerary and quotation.