What are the similarities and differences between health insurance and medical insurance?
Most people are not very clear about the difference between health insurance and medical insurance. In this regard, I sorted out the similarities and differences between health insurance and medical insurance for your reference.
Health insurance is generally paid first, that is, the insured has an insurance accident, and once the hospital issues relevant certificates, the insurance company will pay; Moreover, medical insurance is to reimburse medical expenses after discharge. Among them, the diseases insured by health insurance are clearly stipulated, and those that are not within the scope of protection will not be settled; Health insurance is only available to insurance companies. It belongs to commercial insurance, and the payment is higher than social insurance. In addition, the scope of health insurance should be broader, including medical insurance, critical illness insurance, hospitalization subsidies and so on. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
However, the scope of medical insurance reimbursement for hospitalization expenses caused by accidents or hospitalization is relatively small. Critical illness insurance is only the critical illness insurance within the scope agreed in the contract. Within the scope of contract compensation, you can pay according to the insurance amount purchased by the insured. The two complement each other and do not conflict. Critical illness insurance can solve the rehabilitation expenses after discharge, family members' lost time, nutrition expenses and personal income loss.
In addition, health insurance is paid immediately after confirmation, paid in advance, and paid with the hospital diagnosis certificate. It can be said that it is paid first when you are sick. Medical insurance, on the other hand, is a medical reimbursement, which is reimbursed by the hospitalization medical certificate and the invoice, which means that it can only be reimbursed after medical treatment.
To sum up, the difference between health insurance and medical insurance is quite big. However, when purchasing, you can combine the two insurances to make your protection more comprehensive.