哪些保险产品能够重复理赔？ 哪些不能？

Core Viewpoint - The article discusses the understanding of insurance payout types and whether multiple claims can be made for different insurance products, emphasizing the importance of consumer awareness regarding insurance policies and their payout mechanisms [1][2]. Group 1: Insurance Payout Types - Insurance products can be categorized into three main types based on payout methods: fixed payment type, reimbursement type, and allowance type [2][3]. - Fixed payment type insurance pays a predetermined amount as long as the conditions of the contract are met, regardless of actual expenses incurred [2]. - Reimbursement type insurance compensates the insured based on actual medical expenses incurred, requiring original receipts for claims [2][3]. - Allowance type insurance pays based on the number of days hospitalized or specific surgical procedures, with total payouts varying according to the duration of hospitalization [3]. Group 2: Claiming Multiple Times - Fixed payment type and allowance type insurances can be claimed multiple times, while reimbursement type insurance cannot be claimed multiple times due to its payout principle [3]. - Most personal insurance products, including critical illness insurance and life insurance, fall under the fixed payment type, while health insurance products like medical insurance and property insurance are typically reimbursement type [3]. - Accident insurance is an exception, as it includes both fixed payment and reimbursement types; for instance, accidental death and disability claims can be made multiple times, while medical expenses are reimbursed based on actual costs [4].