The diseases referred to in health insurance need to meet three conditions, which are introduced as follows:
1, it must be caused by non-external reasons.
2. It must be caused by non-congenital reasons.
3. It must be caused by non-permanent reasons.
Insurance means safety and reliability; Later, it was extended to a guarantee mechanism, a tool for planning life finance, a basic means of risk management under the condition of market economy, and an important pillar of financial system and social security system.
Insurance refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer bears the responsibility of paying the insurance premium for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, suffers from disability, illness or reaches the age and time limit agreed in the contract.
From the perspective of economics, insurance is a financial arrangement to share the loss of accidents; From the legal point of view, insurance is a contractual act, a contractual arrangement in which one party agrees to compensate the other party for losses; From a social point of view, insurance is an important part of the social and economic security system and a "subtle stabilizer" for social production and social life. From the perspective of risk management, insurance is a method of risk management.
Insurable value
Insurable value is the actual value of the subject matter insured. According to China's Insurance Law, if the insured and the insurer have an agreement on the insured value of the subject matter insured and specify it in the contract, when the subject matter insured suffers losses, the agreed insured value shall be taken as the compensation calculation standard.
If the insured and the insurer have not agreed on the insured value of the subject matter insured, when the subject matter insured suffers losses, the actual value of the subject matter insured at the time of the insured accident shall be taken as the compensation calculation standard.
Simply put, the insured value can be determined by three methods:
1, according to the provisions of the law and contract law, the law and contract law are the fundamental basis for determining the insurance value;
2. According to the insurance contract and the agreement of both parties. It is difficult to measure the insurance value of some insurance objects, such as life insurance and health insurance. If people's health and life cannot be measured by money, the insurance value shall be agreed by both parties.
3. Determine the insurance value according to the change of market price. The insured value of some insurance objects is not always constant. Most of the subject matter will also depreciate with the passage of time, and its insurance value will show a downward trend.