The underwriting responsibility of health insurance is 1. Sickness payment: when the insured suffers from the disease stipulated in the insurance contract, the insurer pays the insurance money. 2. Payment of medical expenses: When the insured has medical behaviors agreed in the insurance contract due to illness, childbirth and other reasons, the insurer pays insurance money to provide protection for the insured's medical expenses during medical treatment. 3. Income loss payment: When the insured loses the ability to work due to illness or accidental injury agreed in the insurance contract, the insurer pays insurance money to provide protection for the insured's income reduction or interruption in a certain period of time. 4. Nursing payment: When the insured needs nursing due to the loss of daily living ability agreed in the insurance contract, the insurer pays insurance money to provide protection for the insured's nursing expenditure.