Chinese

當保戶申請理賠時，保險公司會先扣除一筆啟動費，作為投保人需承擔的超額部分。

契約者が保険金の請求を行う際、保険会社はまず、被保険者が自己負担すべき一部の免責額を差し引きます。

When a policyholder files a claim, the insurance company first deducts an excess, which is the portion that the insured must bear.