Core Viewpoint - The article discusses the challenges faced by policyholders of reimbursement-type insurance products, particularly in medical insurance, regarding coverage continuation after the policy expiration while treatment is still ongoing [1][2]. Group 1: Insurance Types and Coverage - Reimbursement-type insurance products, such as medical and accident insurance, may have coverage issues if treatment extends beyond the policy expiration [2]. - Not all insurance types face the same issues; critical illness and life insurance are payout-type insurances that provide compensation regardless of actual medical expenses incurred, as long as the incident occurs within the coverage period [1][2]. Group 2: Responsibility Continuation - The concept of "responsibility continuation" allows for claims to be made for medical expenses incurred after the policy expiration if the incident occurred during the policy's active period [2]. - The duration of responsibility continuation varies by insurance type and specific product, with common durations being 30 days, and some extending to 90 or 180 days [3]. Group 3: Claims Processing - In cases where claims span two policy years, typically only one deductible is applied, and the remaining amount is fully compensated, although this can vary by product [3]. - Consumers are advised to report claims as soon as possible to avoid complications in the claims process, as delays may lead to disputes over the validity of the claim [4]. Group 4: Consumer Recommendations - It is recommended that consumers maintain documentation of their policy payment deadlines and consider automatic renewal options for long-term medical insurance to prevent coverage lapses [4].