Life insurance is a kind of life insurance with the life of the insured as the insurance object and the survival or death of the insured as the payment condition, which mainly includes life insurance, annuity insurance and endowment assurance.
Personal accident insurance refers to life insurance in which the insured suffers death or disability due to accidental injury. If you have any questions about accident insurance, you can click on the following article to have a look: Do you want to buy accident insurance, how to buy it, what kinds are there, and make a comprehensive analysis and comparative evaluation.
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.
We can know that the biggest difference between these three types of insurance is the different contents and functions of protection. For example, life insurance is based on people's life expectancy, accident insurance is to protect small partners from accidental death or total disability, and health insurance is mainly to protect people's health. Want to know whether it is necessary to buy health insurance, you can read the following article: Is it necessary to buy health insurance? These routines must be paid attention to!
In addition, the common waiting periods of these three types of insurance are also different. For example, the waiting period of life insurance is generally 90 days or 180 days, and some life insurance may not have a waiting period. The waiting period for critical illness insurance in health insurance is 90 days or 180 days, while the waiting period for medical insurance in health insurance is generally 30 days or 60 days; Accident insurance generally has no waiting period.
These three kinds of insurance are very important to our consumers. For example, as a family pillar, it is generally recommended to configure critical illness insurance, medical insurance, accident insurance and life insurance. Therefore, we must fully configure personal safety to reduce worries. Then, before buying insurance, you must read the following article: Before buying insurance, you must first understand these key knowledge points!
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