1. The underwriting risks of health insurance contracts are comprehensive: the underwriting risks include agreed diseases, agreed expenses, disability and death, not a single risk.
2. The object of health insurance is the health interests of the insured: it includes both medical expenses caused by illness or accident and income loss caused by illness, disability or death.
3. The qualification of the insured will be limited: the physical health of the insured must reach a certain level; The applicant is not the insured himself, and if signing a health insurance contract involves death liability, it must be agreed by the insured and signed by himself; You can't sign a death liability health insurance contract for the insured with no capacity.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.