What's the difference between medical insurance and health insurance?
Most people are not very clear about the difference between medical insurance and health insurance. In this regard, I am here to sort out the differences between them for your reference, as follows:
1, in terms of meaning. Health insurance is an insurance that takes the insured's body as the insurance object, so that the insured can get compensation for the expenses or losses caused by illness or accident. According to insurance liability, health insurance is divided into critical illness insurance, medical insurance and income security insurance. Medical insurance is insurance to compensate medical expenses caused by diseases. Pay according to the actual medical expenses.
2. From the type. Health insurance is a general term for critical illness insurance and medical insurance. Medical insurance is included in health insurance, which includes critical illness insurance and medical insurance. Critical illness insurance is generally long-term, while medical insurance is generally short-term and managed for one year. Medical insurance is consumption-oriented, which means that the occurrence of general diseases is the reimbursement of related expenses incurred in hospitalization. Major illness may be consumption, return or compensation. What are the good recommendations for critical illness and critical illness insurance? I just sorted out the relevant contents, hoping to help you: take stock of the "worth buying" critical illness insurance of the top ten insurance companies!
3. From the perspective of payment cost. Health insurance pays higher fees, while medical insurance pays lower fees.
4. From the way of claim settlement. The diseases covered by medical insurance are clearly defined, and those that are no longer covered will not be settled; Medical insurance does not specify diseases, as long as the hospital can reimburse. What kind of medical insurance are there? Which is worth buying? Look at the hottest 10 insurance of insurance companies this year: what are the good medical insurance recommendations? 20 Best-selling Medical Insurance Inventory in 2020
5. From the way of handling. Health insurance is only available to insurance companies. Medical insurance companies can attach it to health insurance, or apply for social security for medical insurance. 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
It can be seen that medical insurance and health insurance are still very different. The above contents are for your reference only, hoping to help you understand these two kinds of insurance more thoroughly.
Relevant suggestions
Big news! 20 17 the latest policy of Shanghai medical insurance for serious illness has been issued.
According to the new policy of serious illness medical insurance in Shanghai, people who participate in the basic medical insurance for urban residents in Shanghai can enjoy the basic medical insurance for urban residents and reimburse 50% of the personal expenses incurred by serious illness within the medical insurance scope. 20 17 how about the medical insurance for serious illness in Shanghai? How should residents be reimbursed for serious illness? What materials should be prepared for reimbursement?
Have you chosen a personal health insurance product?
No matter how rich you are, a serious illness may take away all your savings; It is difficult to go from poor to rich, but it may be at that moment. In this regard, many people will choose a personal health insurance product that suits them. Have you chosen all kinds of personal health insurance on the market?