Many people feel healthy and do not need to buy insurance. However, to be a man, we must look forward.
1. Health insurance is an independent insurance type, which is divided into individual insurance. Mainly to pay the corresponding insurance money for the losses caused by the insured due to health reasons. Therefore, it is very necessary for qualified friends to buy this insurance.
2. This insurance is applicable to people over 3 years old and under 60 years old. However, in the process of actual insurance, the insurance rates of men and women are different. Generally speaking, when men take out health insurance, the premium rate is higher than that of women of the same age. Insurance companies mainly pay insurance benefits through sickness insurance, medical insurance, disability income loss insurance and nursing insurance.
3. Different age groups have different needs for health insurance. For example, friends who have just entered the workplace can choose sickness insurance, and friends who have just formed a family can choose maternal and child insurance. Therefore, in the process of insurance, users can selectively insure according to their actual situation.
Insurance is a special commodity in some ways. After the insured is insured, he can get corresponding protection when he goes out of danger. But for friends who were not insured when they were out of danger, it was too late to find out. Therefore, no matter what kind of insurance, it is necessary to exist.
Health insurance, referred to as health insurance, mainly includes medical insurance, sickness insurance, disability income loss insurance, nursing insurance and medical accident insurance. Refers to the life insurance in which the insurer pays insurance money to the insured when he is ill. The payment scope of health insurance usually includes medical expenses, income loss, funeral expenses and living expenses of survivors. This kind of insurance is mostly co-organized with injury insurance and life insurance. In order to prevent moral hazard, the insurer usually stipulates a trial insurance period when handling health insurance. After this period, the insurer will be liable for the losses caused by the insured's illness.
Insurance function:
(1) insurance period
Except for serious diseases, most health insurance, especially medical expenses insurance, is usually a one-year short-term contract.
(2) Actuarial technology
The pricing of health insurance products mainly considers the disease rate, disability rate and disease (disability) duration. The calculation of health insurance rate is based on the loss rate of insured amount, and the unexpired liability reserve at the end of the year is generally paid according to a certain proportion of the premium income of the current year. In addition, waiting period, deductible, deductible, * * payment ratio, payment method and payment limit will also affect the final rate.
(3) Pay health insurance
Whether the principle of compensation is applicable to health insurance cannot be generalized. Expense-based health insurance applies this principle and is a compensatory payment. However, the fixed payment of health insurance is not applicable, and the payment of insurance benefits has nothing to do with actual losses.
(D) the particularity of business risks
Health insurance deals with injury risk, and its influencing factors are far more complicated than life insurance, and adverse selection and moral hazard are more serious. In addition, the risk of health insurance also comes from medical service providers, and the quantity and price of medical services are largely determined by them, which is difficult for insurance companies to control as payers.
(5) Cost sharing
Because health insurance is risky, difficult to control and unpredictable, in health insurance, the insurer often has many restrictions or restrictive clauses on the payment responsibility of medical insurance for diseases.
(VI) Particularity of contract terms
Health insurance does not need to specify the beneficiary, and the insured and beneficiary are often the same person.
In the health insurance contract, besides the incontestable clauses, grace period clauses and no loss clauses of general life insurance, there are also some unique clauses, such as existing conditions clauses, conversion clauses, cooperative payment clauses, medical examination clauses, deductible clauses and waiting period clauses.
(7) Except for health insurance.
The exclusions of health insurance generally include diseases, deaths and disabilities caused by war or military action, intentional suicide or attempted suicide, and diseases, disabilities, abortion and death caused by abortion.