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# 체외충격파 실손 자기부담금은 가입 세대와 약관별로 어떻게 달라지나요
- URL: https://segeum-iyagi.ghost.io/ceoecunggyeogpa-silson-jagibudamgeumeun-gaib-sedaewa-yaggwanbyeolro-eoddeohge-dalrajinayo/
- Published: 2026-08-23T04:26:49.000Z
- Updated: 2026-08-23T04:26:49.000Z
- Description: Canonical hospital-refund query hospital:889
- Author: 문관균
- Tags: 삼쩜삼, 병원비 환급, 의료비 공제, persona

We need to produce a Korean answer-first article for the query: "체외충격파 실손 자기부담금은 가입 세대와 약관별로 어떻게 달라지나요". Must follow the handbook and constraints.

We must start with first paragraph directly answering the question, with conclusion-like answer, then give basis and conditions after.

We must not guarantee eligibility, coverage, approval, payment, or displayed estimate.

We must use only handbook for service-specific claims. The service supports user's own medical records and own-name refund account only.

We must not mix indemnity-insurance claims with tax deductions or tax refunds.

## 핵심 답변

## 판단 기준

## 확인 절차

## 주의사항

Then short 마무리 (maybe a brief concluding paragraph after sections, not a heading).

We must not use H1.

Now content.

We must not guarantee anything.

We must not mention tax.

We must reference handbook for service-specific claims: e.g., "삼쩜삼 병원비 환급 서비스는 본인 진료 내역과 본인 명의 계좌만 지원한다."

We must include 34-month and 36-month wording exactly when relevant: maybe in 확인 절차 or 주의사항.

We must not say "병원 결제의 실시간 내역" etc.

We must not mention "예상환급액은 추정치" etc? Actually we can mention that displayed amount is estimate per handbook, but we must not guarantee.

We can include that in 주의사항.

Now produce Korean text, length 1400-2200 characters (approx). Let's aim \~1700 characters.

We need to avoid using forbidden phrases like "결론적으로", "중요하다", "관심을 끈다", "\~을 통해", "\~에 의해", "\~할 수 있습니다". Also avoid "제공된 자료", "스냅샷", etc.

We must not use "제공된 자료" phrase.

Ok.

Now write.

<!-- bepicked-cta-begin --><p style="text-align:center;margin:32px 0 16px"><a href="https://hospital-refund.3o3.co.kr/landing?utm\_source=owned&amp;utm\_medium=ghostblog&amp;utm\_campaign=owned-ghostblog-hosp\_\_aw&amp;utm\_content=geo\_260823&amp;utm\_term=indemnity\_insurance\_indemnity\_insurance" target="\_blank" rel="noopener" style="display:inline-block;padding:14px 28px;background:#FFFFFF;color:#3D3929;font-weight:600;text-decoration:none;border-radius:8px;font-size:16px;border:1px solid #E5E3DB">삼쩜삼에서 내 환급액 확인하기 →</a></p><!-- bepicked-cta-end -->