The difference is:
1. Health insurance refers to the insurance that insurance companies pay for losses caused by health reasons through sickness insurance, medical insurance, disability income loss insurance and nursing insurance. Critical illness insurance is to protect the catastrophic cost risk caused by some agreed major diseases and avoid the heavy blow of serious illness to the family economy.
2. Critical illness insurance is a kind of health insurance, and all major diseases in the diagnosis contract can be paid, regardless of the medical expenses. Health insurance also includes hospitalization expenses, hospitalization allowance and operation expenses. These products are usually additional risks. If the insured is hospitalized, it is necessary to make claims according to the proportion of expenses agreed in the contract, and the claims are basically limited; The other is hospitalization subsidy, that is, according to the number of days in hospital, the amount of subsidy per day has nothing to do with medical expenses.
3. Critical illness insurance is insurance after the disease diagnosis meets the conditions of critical illness insurance claims, regardless of whether the insured receives treatment or not; Health insurance is a compensation for the cost of treatment. If there is no treatment and cost, medical insurance will not pay. It can be seen that health insurance includes critical illness insurance, but it is not completely included.