Commercial health insurance is an insurance that takes the insured's body as the subject matter to ensure that the insured can get compensation for direct expenses or indirect losses caused by diseases or accidents.
Generally, it can be divided into accident insurance, illness insurance, medical insurance, income protection insurance and long-term care insurance.
1. Accident insurance means that when the insured suffers unintentional, foreign or sudden accidents during the insurance period, resulting in physical injury and treatment, disability or death, the insurance company will compensate the insured for the medical expenses caused by accidental medical treatment or pay the insured (or beneficiary) disability insurance or death insurance.
2. Sickness insurance refers to insurance with the occurrence of diseases as the payment condition;
3. Medical insurance refers to insurance with the occurrence of agreed medical treatment as the payment condition;
4. Income security insurance refers to insurance in which income is interrupted or reduced due to accidental injury or illness as the condition for payment of insurance benefits;
5. Long-term care insurance refers to insurance that requires care due to accidental injury or illness.
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