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In the whole health insurance system, the most common ones are medical insurance and critical illness insurance. So what are the types of health insurance? Let's take a closer look.
Types of health insurance
According to the division of payment methods
Health insurance can be divided into subsidy payment, fixed payment, service provision and cost compensation.
According to the different divisions of insurance coverage
(1) medical expense insurance
It is well-known medical insurance, which is a kind of compensation insurance for the insured's medical expenses related to illness or accident. The medical expenses here include outpatient service, registration, hospitalization, medical miscellaneous expenses, examination fees, operation fees and so on. According to different products, the types and proportions of specific reimbursement are different.
(2) Sickness insurance
Critical illness insurance is a typical disease insurance, and its compensation depends on the type of disease. For the first illness that meets the contract and meets the claim standard, you can get insurance money. Generally speaking, the insured amount is relatively large, and the payment method is mostly after diagnosis (but not all diseases can be paid after diagnosis).
(3) Disability income loss insurance
As the name implies, it is suitable for compensation for income loss caused by accidents or diseases. Payment is made in the form of regular income compensation and monthly fixed allowance.
(4) Long-term care insurance
It is a kind of health insurance product. If there is nursing demand, it can be paid by insurance money. The cause of disability can be natural, disease or accident.