在investopedia和其他地方查到Coinsurance是被保人支付的比例。Coinsurance: Definition, How It Works, and Example (investopedia.com)
Coinsurance is the amount, generally expressed as a fixed percentage, an insured must pay toward a covered claim after the deductible is satisfied.
但是在品职框架图里写的是insurance company支付的比例，刚好相反。哪个是对的？
另外，deductible，coinsurance和copayments公共组成了maximum out-of-pocket expense，从这个角度看，应该是被保人支付的吧？
