Do you want to buy health insurance?

It is necessary to buy. Health insurance refers to the insurance paid by insurance companies to the insured for health reasons or medical behaviors, mainly including medical insurance, sickness insurance, disability income loss insurance, nursing insurance and medical accident insurance.

At present, environmental problems are getting more and more serious, life pressure is getting bigger and bigger, and people are getting sick more and more easily. Although everyone has medical insurance, as a kind of social insurance, it mainly guarantees basic medical needs, and its reimbursement scope is limited. A certain proportion of expenses can be reimbursed, but self-funded drugs can't be reimbursed, so social security can't cover all kinds of risks brought by health problems. Commercial health insurance is an effective supplement to medical insurance, which can break through the limitation of medical insurance reimbursement, prevent the risk of insufficient medical expenses for serious diseases, and make minor diseases inexpensive and serious diseases not bad.

There are two things in a person's life that are difficult to control. One is disease, the other is accident. Whether it happens or when it happens is beyond our control. It is necessary to appropriately transfer the risk of economic losses caused by diseases or accidents.

Medical insurance refers to the insurance that provides protection for the medical treatment and rehabilitation of the insured according to the insurance contract.

Sickness insurance refers to the insurance that provides protection for the insured in the event of diseases agreed in the insurance contract.

Disability income loss insurance refers to the insurance that pays insurance benefits on the condition that the illness or accidental injury agreed in the insurance contract leads to the loss of labor ability, and provides protection for the insured's income reduction or interruption in a certain period of time.

Nursing insurance refers to the insurance that provides protection for the nursing needs caused by the loss of daily living ability of the insured according to the insurance contract.

Medical accident injury insurance refers to the insurance that provides protection for the insured in the event of medical damage that cannot be attributed to medical institutions and medical personnel according to the insurance contract.