根据共同保险条款，保险人通常必须付全部费用的百分之二十。

According to co-insurance clauses, the insured person must pay usually 20 percent of the total expenses covered.

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保险中可以包括精神病治疗特别赔偿费，可是许多家保险公司对精神病费用列有不同的可扣减或共同保险条款。

Special benefits for psychiatric care may be included in an insurance policy but many policies have different deductible or co-insurance clauses for psychiatric coverage .

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但是保险公司保险单又规定了免赔额、共同保险条款、责任限额，从而使存在不当行为的董事自己承担一部分损失和费用。

Insurers often stipulate deductible amount, coinsurance clause and limit of liability in their contracts, so as to the directors and officers carry one part of the losses and costs.

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