Health insurance refers to the insurance with the insured's body as the subject matter and health status as the payment condition; Among them, medical insurance belongs to reimbursement, critical illness insurance belongs to fixed payment, cancer insurance has reimbursement and payment, and income protection insurance belongs to expense compensation.
Medical insurance: that is, medical expense insurance, refers to the insurance that pays insurance benefits on the condition of agreed medical expenses, that is, the insurance that provides medical expense protection. It is one of the main contents of health insurance, including 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 payment condition, including general illness insurance and critical illness insurance. 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 the insurance that income is interrupted or reduced due to accidental injury or illness. Specifically, it refers to a form of insurance in which the insurer pays the insurance money in installments within a certain period of time when the insured is disabled due to illness or accidental injury and cannot work.
Nursing insurance: Long-term care insurance is a health insurance that provides compensation for the cost of nursing services for the insured who need long-term care due to old age, illness or disability. The insurance scope is divided into four levels: medical care, intermediate care, nursing care and home care, but the early long-term care insurance products did not include home care.
When applying for health insurance, it is necessary to give health information, mainly to reduce underwriting risk and claim probability. If there is false notification or deliberate concealment of insurance fraud, the insurance company will not settle claims.
At present, health insurance in the market can be divided into four types: medical insurance, sickness insurance, income insurance and nursing insurance. The insured can choose suitable insurance products to protect themselves and avoid the risks of diseases or accidents according to their own health status and the actual situation of family economy.