What kinds of health insurance includes?

Health insurance, also known as "sickness insurance", refers to life insurance in which the insurer pays insurance money to the insured when he is ill. The payment scope of health insurance usually includes medical expenses, income loss, funeral expenses and living expenses of survivors. This kind of insurance is mostly co-organized with injury insurance and life insurance.

According to the payment method, health insurance can be divided into three types:

1, payment type, when the insured suffers from diseases or circumstances agreed in the insurance contract, the insurance company pays the insurance money to the insured according to the contract. The amount of insurance money is fixed. Once diagnosed, the insurance company will pay the insurance money in one lump sum according to the insurance amount specified in the contract. The critical illness insurance of all insurance companies belongs to the payment type. 2. Reimbursement type: the insurance company reimburses the medical expenses actually paid by the insured according to the proportion agreed in the insurance contract. Such as hospitalization medical insurance and accidental injury medical insurance. It belongs to the reimbursement type. 3. Subsidized, the insurance company pays the insurance premium according to the actual hospitalization days and surgical items of the insured. The insurance premium is generally calculated on a daily basis, and the total amount of insurance premium varies according to the number of days of hospitalization and the different surgical items. Such as hospitalization medical subsidy insurance and hospitalization peace of mind insurance. There are subsidies.