Therefore, health insurance includes medical insurance, disability insurance and long-term care. Among them, the most common medical insurance includes sickness medical insurance and accident medical insurance.
Judging whether an insurance product is health insurance mainly depends on its insurance liability, the designer's purpose and whether the applicant's purchase purpose is to protect the health of the insured.
The responsibility of health insurance includes not only the economic compensation for the insured's medical expenses loss, but also the economic compensation for the insured's income loss caused by illness or disability, as well as the economic compensation for nursing when he can't take care of himself.
Health insurance not only pays attention to the economic compensation of the insured after the insurance accident losses, but also pays attention to the preventive health care and health education before the insured suffers the insurance accident losses, as well as the health management of the insured throughout his life. Therefore, whether it is medical insurance, disability insurance or nursing insurance, it is necessary to combine preventive health care and health education with the health management of the insured throughout his life before the insured suffers losses, so as to be called real health insurance.