1, payment type, the amount of insurance money is determined. Once diagnosed, the insurance company will pay the insurance money in one lump sum according to the insurance amount contained in the contract. The critical illness insurance of all insurance companies belongs to the payment type.
2. Reimbursement type: the insurance company reimburses the medical expenses actually paid by the insured according to the proportion agreed in the insurance contract. Such as hospitalization medical insurance and accidental injury medical insurance. It belongs to the reimbursement type.
3. Subsidized, the insurance company pays the insurance premium according to the actual hospitalization days and surgical items of the insured. Such as hospitalization medical subsidy insurance and hospitalization peace of mind insurance. There are subsidies.
The best ones are usually too low. Let me tell you one that I think is better. Launched by Sunshine Insurance Group, it is called "Healthy Companion E". There are two kinds of intensive care. If you want to choose less protection, there are cancer care, 6 kinds of intensive care and 25 kinds of intensive care. There are three other packages to choose from. And the lowest guarantee cost only needs 33 yuan. You can learn more about it.