The meaning of health insurance Health insurance is the Chinese abbreviation of health insurance, which refers to the insurance that insurance companies pay insurance money for losses caused by health reasons through sickness insurance, medical insurance, disability income loss insurance and nursing insurance. Please refer to health insurance for details. The origin of health insurance is divided into two categories: property insurance and life insurance. Health insurance is an independent insurance, paid by life insurance. The detailed information of health insurance is different from life insurance, which is based on the life span of people. Health insurance is divided into detailed categories, and the insured objects can be people's bodies, health conditions, physical accidents and bodies that need care after accidents, such as long-term illness insurance, short-term medical insurance and short-term accident insurance! Every insurance company's products are different, but they are roughly the same! ! Long-term health insurance refers to health insurance with an insurance period of more than one year or an insurance period of less than one year, but with a guarantee renewal clause. Short-term health insurance refers to health insurance with an insurance period of one year or less and without a guarantee renewal clause. The guarantee renewal clause refers to the contract that after the expiration of the previous insurance period, if the applicant applies for renewal, the insurance company must continue to underwrite the insurance at the agreed rate and the original clause. Medical insurance in health insurance claims can be divided into cost compensation medical insurance and fixed payment medical insurance according to the nature of insurance claims. Cost-compensated medical insurance refers to medical insurance that determines the amount of insurance money according to the actual medical expenses incurred by the insured and the agreed standards. Fixed payment medical insurance refers to medical insurance that pays insurance benefits according to the agreed amount. The payment amount of cost compensation medical insurance shall not exceed the actual medical expenses incurred by the insured. The service mode of health insurance The payment of health insurance usually includes two parts: compensating the living expenses of the insured when he can't work due to short-term illness and providing medical services for the insured. There are three ways to provide medical services: (1) directly pay the fees to the institutions providing medical and health services; (2) The medical expenses shall be paid in advance by the sick insured and then compensated by the insurance institution; (3) Medical and health care services are provided by insurance institutions or medical institutions directly established by the government. The sources of health insurance are generally insurance premiums paid by the insured and their enterprises and government financial subsidies. The payment method of insurance premium can be allocated from general tax, or health insurance tax can be levied separately. The current development trend is that the proportion of government subsidies is increasing. Different countries have different levels of medical insurance benefits, and different people in the same country enjoy different benefits. Some give full compensation for medical expenses; Some outpatient expenses are not compensated, but only hospitalization expenses; Some have specific regulations on the amount of compensation for drugs and various services. Generally speaking, patients have to bear a small amount of expenses.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.