Estimate Health Claim Payout
Added 2026-10
Estimate Health Claim Payout — Chinese original prompt
这次住院总费用约 [金额]，其中目录外 [金额]，医保已报 [金额]。手上的商业医疗险是 [产品类型]，免赔额 [金额]，报销比例 [比例]。请分步推算还要自付多少，并列出推算依据和不确定的地方，不确定的项要写明该打哪个电话确认。仅作参考，实际以保险公司核定为准。
Site original
Chinese original
Example
Sample input
这次住院总费用四万八，目录外一万二，医保已报两万，医疗险免赔额一万、报销八成。
The output should include
- 分步推算这次大概还要自付多少
- 列出推算依据并标出不确定项
- 仅作参考，以保险公司核定为准
Replace these placeholders 3
Swap the bracketed parts for your own details before sending.
[金额][产品类型][比例]
How to use
出院前先打客服问清理赔材料清单，能少跑一趟。
Try tweaking it
- Ask for a checklist and timeline, marking which parts need a professional.
- Replace "what should I do" with "which three things first, and when".
What you should get
- An ordered action list with deadlines
- What must be confirmed with a professional or official channel
Common mistakes
- Using it as the doctor or lawyer and acting on the answer directly.
- Taking a single conclusion without asking about preconditions or real costs.
How to check the output
- It gives an order of steps and a decision deadline.
- It flags what must be confirmed with a doctor, lawyer or official channel.
Where it works
- Good for: turning everyday decisions into checklists and timelines, flagging what needs a professional.
- Watch out: health, insurance and legal output is reference only — confirm with a doctor, broker or lawyer.