You must know these four basic responsibilities included in health insurance.
Generally speaking, the main contents of health insurance can be roughly divided into two categories: one is to protect the loss of medical expenses caused by illness and childbirth. We generally call it medical insurance or medical expense insurance; Another kind of insurance mainly covers the loss of income caused by disability caused by illness or accident. Assume that the insured is disabled and completely unable to work due to this accident, and his income loss is all; If you can continue to work, but the income from the work you are engaged in is lower than the original work, then the income loss is partial. The amount of loss is the difference between the original income and the new income, which is generally called disability income compensation insurance. What kind of medical insurance are there? Which is worth buying? Look at the hottest 10 insurance of insurance companies this year: what are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020
Generally speaking, there are many responsibilities for health insurance, which mainly include: illness, childbirth, disability caused by childbirth or illness, and death caused by childbirth or illness.
The first two items mainly aim at compensating the loss of medical expenses and belong to relatively pure health insurance. In addition to medical expenses, the third item will also compensate the insured for the loss of income caused by the reduction or disappearance of income sources due to disability, similar to disability insurance. The last item will make up for funeral expenses and pay for wills, which is similar to life insurance with death as a condition. How about China Life? I just sorted out the relevant contents, hoping to help you: How about China Life? Do you have any insurance recommendations?
Therefore, health insurance is actually a comprehensive insurance, which includes a wide range of basic responsibilities. Although most of the health insurance on the market now appears in the form of additional insurance, it is rarely underwritten as a separate insurance, but overall, health insurance, as the top priority in commercial insurance, still has its unique characteristics.
A thousand dollars can't buy health. Only when you are healthy can you live a happy life, so choose a health insurance for yourself to reduce the burden on yourself and your family and enjoy a healthy life.
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Do you know what the insurance liability of health insurance is?
Generally speaking, the insurance liability of health insurance is injury risk. 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 sickness insurance, medical insurance and income security insurance.
On the importance of health insurance from two cases
With the changes of society, on the one hand, the era when the state bears all medical expenses, one person enjoys free medical care and the whole family can enjoy security will soon become history; On the other hand, disease has become a link that people can't ignore, and no one can guarantee that they will be healthy all their lives. As a commercial insurance, health insurance is mainly responsible for medical expenses caused by diseases or accidents. Therefore, when you plan for your future stable life, don't forget to choose a suitable health insurance!