One of my children took out student insurance in property insurance, which was insured by the school according to 30 yuan/semester. The hospitalization expense is 40989.53 yuan. After deducting the deductible, 800 yuan is exempted from compensation, 8 18 1.89 yuan is deducted, the cooperative medical system is deducted 12056.8 yuan, and China People's Property Insurance Company pays 20,760 yuan. Diagnostic certificate number: 360734095438+05005438+0. However, in the same semester this year, another child was insured by Pacific Insurance Company for Xue Ping insurance, and 30 yuan was hospitalized for hernia surgery, which cost 3554.38+02 yuan, the deductible was reduced by 100 yuan, and the deductible was 286 yuan, leaving 3603. However, Pacific Insurance Company only paid 429 yuan and 60 cents. Is the payment reasonable?

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.