购买费用型医疗保险,即依照住院时所花费的医疗费用按比例报销的保险,用相同数目的钱投保相同的保额,分别在两家保险公司投保要比单独在一家保险公司投保更划算。举例说明:王女士投保20000元的费用型医疗保险一年后,因病住院治疗,共花费医疗费18000元。如果王女士单独在一家保险公司投保,按目前保险 The cost of health insurance, which is a pro-rated reimbursement based on the medical costs spent on hospitalization, is insured with the same amount of money, and it is more cost-effective to insure against two insurers than insurers alone. For example: Ms. Wang insured 20000 yuan fee-based medical insurance a year later, due to illness and hospitalization, a total cost of medical expenses 18,000 yuan. If Ms. Wang insured alone in an insurance company, according to the current insurance