Health insurance refers to 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.
Health insurance is usually organized in conjunction 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.
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.