Definition of health insurance

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.

First, according to the insurance liability

Health insurance is divided into sickness insurance, medical insurance and income security insurance according to insurance liability. The diseases referred to in health insurance must meet the following three conditions: First, they must be caused by obvious non-external reasons. Second, it must be caused by non-congenital reasons. Third, it must be caused by non-permanent reasons.

Second, according to the mode of payment

Health insurance can be divided into three types according to payment methods: 1, payment type. When the insured suffers from the diseases or circumstances agreed in the insurance contract, the insurance company pays the insurance money to the insured according to the contract. The amount of insurance money is fixed. Once diagnosed, the insurance company will pay the insurance money in one lump sum according to the insurance amount specified in the contract. The critical illness insurance of all insurance companies belongs to the payment type. 2. Reimbursement type: the insurance company reimburses the medical expenses actually paid by the insured according to the proportion agreed in the insurance contract. Such as hospitalization medical insurance and accidental injury medical insurance. It belongs to the reimbursement type. 3. Subsidized, the insurance company pays the insurance premium according to the actual hospitalization days and surgical items of the insured. The insurance premium is generally calculated on a daily basis, and the total amount of insurance premium varies according to the number of days of hospitalization and the different surgical items. Such as hospitalization medical subsidy insurance and hospitalization peace of mind insurance. There are subsidies.