请教一下大东方的住院险ELITE-P vs CLASSIC-P

下面是我自己看到的差别，希望有大神补充

Example 1: $10,000 Bill

Elite: 5% of $10,000 = $500 (you pay $500, remaining claim from GE)

Classic: higher of 5% or deductible ($3.5k), hence you pay $3.5k, remaining claim from GE (if use panel doctor, you only pay $3k).

Example 2: $100,000 Bill

Elite: 5% of $100,000 = $5000 (you pay $5000, remaining claim from GE)

Classic: higher of 5% or deductible ($3.5k), hence you pay $5000, remaining claim from GE.

但在保费方面Classic 是Elite 的一半不到

关键是如果Claim过的话，第二年的保费会到1.5倍，Elite在CLAIM自己虽然少花了钱，但第二年的保费涨比较高，优势变没了