The full name of health insurance is "health insurance", including medical insurance, sickness insurance, income insurance and nursing insurance, among which serious illness insurance is disease insurance.
The contents related to health insurance have also been analyzed in detail by senior sisters before. Interested in this, you can look at the following evaluation articles:
Is it necessary to buy health insurance? These routines must be paid attention to! 》
But in most cases, agents will only recommend health insurance that includes medical insurance and critical illness insurance. Why? This involves a deeper content.
1. Where are the income security insurance and nursing insurance?
This problem involves the protection responsibility of two kinds of insurance-
Income security insurance: refers to the insurance whose payment condition is the decrease of income caused by accidental injury or illness. Specifically, it refers to a form of insurance in which the insurer (insurance company) pays the insurance premium in installments within a specified period of time when the insured is disabled due to illness or accidental injury and cannot work, resulting in loss or decrease of income. Nursing insurance: Long-term care insurance is a health insurance that provides compensation for the cost of nursing services for the insured who need long-term care due to old age, illness or disability. The insurance scope is divided into four levels: medical care, intermediate care, nursing care and home care, and the earliest long-term care insurance products are not provided by home care. Friends should pay attention to the words "payment" and "expense compensation".
In life insurance, there are two different insurance contracts: payment insurance contract and reimbursement contract.
Payment insurance contract means that when the insured can meet the claim standard, the insurance company will pay the insured a sum of insurance money, and the obtained insurance money can be used by the insured at his own discretion, which can be used for treatment expenses, children's tuition fees, sightseeing and so on.
Reimbursement (expense compensation) insurance means that after the insured is hospitalized, he has to take the invoice issued by the hospital to the insurance company for reimbursement, which means that the insurance company will reimburse you for the money you spent, no more, no less.
Through the above definition and analysis, it can be seen that it is obvious that income insurance belongs to payment insurance, while nursing insurance belongs to reimbursement insurance.
But at the same time, critical illness insurance is also classified as payment insurance, but medical insurance is also classified as reimbursement insurance. What should I do? When introducing products, (agents) can't introduce four products at a time, can they? Let's not talk about whether customers can understand it. If there is a claim dispute in the future, customers will blame you and say that you "misled sales" and "falsely publicized", which is even more difficult.
So many agents, in order not to waste energy, only say that they cover medical insurance and critical illness insurance when introducing health insurance every day.
A very important reason for this is that the protection responsibilities of these four types of insurance basically overlap.
Many friends don't know what insurance to buy. Senior sister suggests you read this article:
There are so many types of insurance, which one should I buy first? 》
Second, the responsibility of critical illness insurance and medical insurance
Let's talk about critical illness insurance and income protection insurance first.
As we all know, critical illness insurance can cover major diseases, and when the insured confirms/occurs diseases/accidents that meet the requirements of the contract, it will pay compensation. Let's compare the income security insurance, and find that the two security responsibilities basically overlap, but the income security insurance has one more requirement-the insured loses the ability to work.
In addition, it also includes medical insurance and nursing insurance.
As far as medical insurance is concerned, it can cover a wide range of protection responsibilities. As long as the medical insurance expenses incurred by hospitalization are basically reimbursed, medical insurance also includes a guarantee: nursing expenses-that is, whether the nursing expenses determined according to the nursing level presented by the doctor's advice are highly coincident with the guarantee content of nursing insurance.
Therefore, since the difference between critical illness insurance and income insurance is not so big and there are not many requirements, the coverage of medical insurance also includes nursing insurance, which will be even larger, so simply ignore them (income insurance and nursing insurance), saving time and effort.
Finally, senior sister will send you a wave of benefits for free. Click on the link below, and you will immediately get the "Guide to Avoiding Pits for Critical Illness Insurance" for free:
"Take a look at the common pit of critical illness insurance! 》
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