1, in terms of meaning. Health insurance is an insurance that takes the insured's body as the insurance object, so that the insured can get compensation for the expenses or losses caused by illness or accident. According to insurance liability, health insurance is divided into critical illness insurance, medical insurance and income security insurance. Medical insurance is insurance to compensate medical expenses caused by diseases. Pay according to the actual medical expenses.
2. From the type. Health insurance is a general term for critical illness insurance and medical insurance. Medical insurance is included in health insurance, which includes critical illness insurance and medical insurance. Critical illness insurance is generally long-term, while medical insurance is generally short-term and managed for one year. Medical insurance is consumption-oriented, which means that the occurrence of general diseases is the reimbursement of related expenses incurred in hospitalization. Major illness may be consumption, return or compensation.
3. From the perspective of payment cost. Health insurance pays higher fees, while medical insurance pays lower fees.
4. From the way of claim settlement. The diseases covered by medical insurance are clearly defined, and those that are not within the scope of protection will not be settled; However, medical insurance does not stipulate the disease type, and it can be reimbursed as long as it is hospitalized.
5. From the way of handling. Health insurance can only be handled through insurance companies, while medical insurance can be attached to health insurance through insurance companies, or you can apply for social security to handle medical insurance.
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