Health insurance is divided into sickness insurance, medical insurance and income security insurance according to insurance liability.
The diseases referred to in health insurance must meet the following three conditions:
First, it must be caused by obvious non-external reasons.
Second, it must be caused by non-congenital reasons.
Third, it must be caused by non-permanent reasons.
Medical insurance refers to the insurance with agreed medical expenses as the condition of payment of insurance benefits, that is, the insurance that provides medical expenses protection, which is one of the main contents of health insurance.
Medical expenses are all kinds of expenses incurred by patients in order to treat diseases. It includes not only the doctor's medical expenses and operation expenses, but also the expenses of hospitalization, nursing and hospital equipment.
Sickness insurance refers to insurance with illness as the condition of payment of insurance benefits. Usually, the insurance amount of this kind of policy is relatively large, and the payment method is generally to pay the insurance amount in one lump sum immediately after the diagnosis of a special disease.
Income security insurance refers to insurance with the condition that income is interrupted or reduced due to accidental injury or illness. Specifically, it refers to a kind of health insurance in which the insurer pays the insurance money in installments within a certain period of time when the insured is disabled and unable to work due to illness or accidental injury.