报销型与住院津贴医疗险有什么区别？ 住院津贴险和住院医疗险有什么区别？
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首先两者的属性不同。
报销型医疗保险以意外事故或疾病产生医疗费用为给付条件，保险公司依照规定的比例，按被保险人在医疗期间实际花费的医疗费用的总额进行赔付。按住院津贴型医疗保险主要按合同约定的补贴标准比如说多少钱一天，来进行赔偿。
其次两者购买的注意事项不同。
投保报销型医疗保险时优先考虑低免赔额和高赔付率者，投保时住院津贴医疗险时优先考虑免赔天数少而给付天数多和给付额度较高者。
最后理赔的原则也不同。
报销型医疗保险的理赔金额严格按照被保险人实际产生的医疗费用按照约定来进行赔付。而津贴型的医疗险就是按实际住院天数来对参保人进行定额补贴。
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