Traditional medical insurance will set compensation limits for each coverage item based on the room level (standard room, semi-private room, and private room). Different surgeries will be calculated based on the percentage in the surgical compensation table.

If an optional benefit of supplementary major medical (SMM) is attached to the basic medical plan, the claim amount in the basic hospital and surgical benefit exceeds the relevant benefit limit, SMM covers 80% extra coverage.

In addition to traditional medical insurance, there is another type of insurance plan on the market that does not set compensation limits for each coverage item. It is commonly known as high-end medical plan.

Most of the high-end medical plans do not impose a cap on compensation for basic benefits. As long as the terms of the policy are met, the insurance company will pay the insured in full whether the insured makes a claim for $100,000 or $1,000,000. In addition, a "reasonable and customary charge" clause will be included in high-end medical plans. The clause on reasonable and customary charges seeks to eliminate the possibility of overcharging for medical expenses.

Insurance companies usually offer a range of deductible options and coverage areas to cater to the specific needs and budgetary constraints of their customers. The deductible, also referred to as the excess, represents the portion of a claim that the policyholder is responsible for paying before the insurance company provides compensation. By deducting the deductible amount, the insurance company ensures that policyholders receive the remaining eligible reimbursement as per the terms of their policy.

Customers who have company group medical coverage may consider high-end medical insurance with a high deductible. In this way, the deductible can be paid by the company's group medical insurance, and in the event of hospitalization due to a serious illness, the customer does not have to bear the huge medical expenses on their own.

If the customer does not have company group medical insurance, he can also consider purchasing a basic medical insurance plan to pay for the deductible.

In addition to the deductible, when purchasing high-end medical insurance, the coverage area should also be taken into consideration. Medical expenses can vary greatly in different regions.