Under this principle, there should be a certain portion of costs to be absorbed by the patient, with an upper limit set based on income.
重病如尿毒病、癌症、全身、半身癱瘓等的醫療，則常會造成傾家蕩產的悲劇，是健康保險最應實施的範圍。合乎保重病、不保小病原則的健康保險，要有高額的醫療費用分擔比例，如 30 ∼ 50％，同時依被保險人的所得，設定負擔上限。