What are the classifications of health insurance?
It is understood that health insurance can be divided into sickness insurance, medical insurance, disability income loss insurance and nursing insurance. The following is a specific overview of these four types of insurance.
I. Sickness insurance
Disease insurance is generally divided into two forms: general disease insurance and critical illness insurance, which is an insurance with disease as the protection object. Its insurance coverage is generally high, and the payment method belongs to one-time payment, which is a relatively common health insurance.
Second, medical insurance.
Medical insurance generally covers the expenses incurred by the insured in hospitalization, including medical expenses, operation expenses, hospitalization expenses, nursing expenses and expenses incurred in using hospital equipment. This kind of insurance is one of the main types of health insurance.
Three. Disability income loss insurance
The so-called disability income loss insurance refers to the insurance that the insured loses the ability to work due to illness or accidental injury as stipulated in the insurance contract. It can provide corresponding protection for the insured's income reduction or interruption within a period of time. Generally, it can be divided into compensation for income loss caused by injury and compensation for income loss caused by illness and disability.
Fourth, nursing insurance.
Nursing insurance means that when the insured needs nursing due to the loss of daily living ability agreed in the insurance contract, the insurance company pays the insurance money according to the contract. It mainly guarantees the nursing expenses of the insured, and it is divided into four levels: medical staff nursing, intermediate nursing, nursing nursing and home nursing. 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