Health insurance is generally divided into medical insurance and critical illness insurance. Under the new regulations, we have evaluated more than a thousand critical illness insurance products and screened out the best ten critical illness insurance products on the market. New definition of critical illness ranking announced! The first place is it! 》
1, different definitions
Health insurance refers to the insurance that insurance companies pay insurance money for losses caused by health reasons through sickness insurance, medical insurance, disability income loss insurance and nursing insurance. Life insurance refers to life insurance with the life of the insured as the subject matter and the life and death of the insured as the payment condition.
2, the scope of protection is different
Health insurance covers losses caused by diseases and other health reasons, while life insurance pays insurance according to the death of the insured.
3. Different payment methods
Health insurance generally includes compensation, reimbursement, fixed payment and hospitalization allowance, while life insurance includes bonus, surrender and insurance payment.
4. The insurance period is different.
Health insurance is generally divided into short-term and long-term according to the guarantee period, the short-term is generally within one year, and the long-term is generally above 1 year; On the other hand, life insurance can be divided into term insurance and life insurance. Regular means that the guarantee period is specified, and lifelong means that it lasts until death.
You can consult Mintebao when buying insurance. Mintebao is committed to the value connection between insurance consumers and service providers. By strictly screening high-quality consultants in the industry, relying on AI-driven intelligent recommendation, intelligent question-and-answer and other tools and technical platforms, the service and technology are organically combined to provide users and friends with one-on-one personalized insurance solutions and quality services throughout the life cycle. "heavy! New definition of critical illness ranking announced! The first place is it! 》