Health insurance is an insurance that takes the health status of the insured as the basic starting point and compensates the medical expenses of the insured.
2. What's the difference between health insurance and ordinary life insurance? What are the characteristics of commercial health insurance?
Health insurance is based on the incidence of diseases and accidents. The insured accident of health insurance refers to illness and accidental injury, not death, unlike other life insurance, which uses life table as the basis to determine the rate. Therefore, the rate of commercial health insurance is empirical rate, and non-general life insurance has a fixed life table.
The insured accidents of health insurance refer to diseases, accidental injuries, etc. There are many kinds of human diseases, and there are many kinds of health insurance, which can be combined for various diseases and age levels. Every kind of insurance has a certain customer base. If there are many types of insurance, more customers will be won, especially those with low incidence. However, once it happens, most families can't afford the insurance for their medical expenses, which is characterized by low rates and high security. General life insurance is only a combination of survival and death benefits, and there are few types of insurance.