If it is accident insurance, it pays more attention to the external qualified characteristics of insurance, while short-term health insurance pays attention to the internal diseases of the body itself. Among the two products, short-term health insurance and accidental injury insurance, accidental injury is more obvious. If it is accidental injury hospitalization, health insurance will pay medical insurance, but if it is accidental injury insurance, it will be disabled after hospital diagnosis and treatment. The insurance company will pay the insured the corresponding disability insurance money. Disability and death caused by illness are the insurance liability of health insurance, while the insurance liability of accidental injury insurance is disability and death caused by accidental injury.
(2) The nature of payment is different.
This is the most obvious difference between short-term health insurance and accident insurance. In case of accidental injury, the payment method of insurance is generally fixed, with the nature of compensation and financial assistance. The general payment method is health insurance, which has three forms: fixed payment, similar to life insurance and accidental injury insurance; According to the actual medical expenses, it is the actual payment, and this payment method has a maximum limit; Prepayment means that the insurer pays the medical expenses directly.