【中文版】

免赔额是什么？

免赔额是指在保险合同中规定的保险公司不予赔偿的金额。也就是说，在保险期间，如果被保险人因意外或疾病等原因产生了医疗费用，那么这些费用需要先自行承担一定的金额，这个金额就是免赔额。只有超过了免赔额的部分，保险公司才会予以赔偿。

免赔额的设置是为了降低保险公司的理赔成本，避免一些小额的理赔申请，以便更好地集中资源去处理更为严重的保险事故。同时，这也是为了促使被保险人更加谨慎地使用医疗资源，避免过度医疗。

在医疗险中，免赔额一般分为两种：一种是绝对免赔额，即免赔额是固定的金额，比如规定绝对免赔额为100元，那么在保险期间，如果被保险人的医疗费用低于100元，保险公司将不予赔偿；另一种是相对免赔额，即免赔额是根据比例来计算的，比如规定相对免赔额为20%，那么在保险期间，如果被保险人的医疗费用低于总费用的20%，保险公司将不予赔偿。

总之，免赔额是保险合同中重要的一部分，在购买医疗保险时，被保险人应该仔细阅读合同中的条款，了解免赔额的规定和具体使用方法，以便更好地选择适合自己的医疗保险产品。

【英文版】

What is a deductible?

A deductible is a specific amount of money that is not covered by insurance companies in the event of a claim. In other words, during the insurance period, if the insured person incurs medical expenses due to accidents or illnesses, they must first bear a certain amount of these expenses, which is the deductible. Only expenses exceeding the deductible are covered by the insurance company.

The purpose of the deductible is to reduce the insurance company's claim costs, avoid handling small claims, and better concentrate resources to handle more serious insurance accidents. At the same time, it also urges the insured to use medical resources more cautiously to avoid excessive medical treatment.

In medical insurance, there are generally two types of deductibles: one is an absolute deductible, which is a fixed amount. For example, if the absolute deductible is set at 100 yuan, then during the insurance period, if the insured's medical expenses are less than 100 yuan, the insurance company will not compensate; the other is a relative deductible, which is calculated according to a certain proportion. For example, if the relative deductible is set at 20%, then during the insurance period, if the insured's medical expenses are less than 20% of the total cost, the insurance company will not compensate.

In short, the deductible is an important part of the insurance contract. When purchasing medical insurance, the insured should carefully read the contract terms, understand the provisions and specific usage methods of the deductible, so as to better choose suitable medical insurance products for themselves.