First of all, the official definition of health insurance is insurance with the insured's body as the subject matter. Simply put, the insurance company will compensate the insured for economic losses caused by diseases and other reasons.
Therefore, in addition to medical insurance, health insurance actually includes critical illness insurance, nursing insurance and income loss insurance. Usually, people will choose medical insurance and critical illness insurance.
Let's take a look at two common health insurance:
1, medical insurance
As a kind of insurance that consumers are most familiar with, medical insurance is paid in the form of reimbursement sales, and the scope of protection is based on social security. Some products can break through the restrictions of social security catalogue.
We often contact with medical insurance, mainly micro-medical insurance and millions of medical insurance.
Although the coverage of micro-medical insurance is not high, the deductible is also very low and the premium is relatively cheap. For example, ordinary small hospitalization insurance, the general coverage is1-20,000 yuan, and the deductible may be 0- several hundred yuan, which is still very practical.
Millions of medical insurance, as the name implies, means that the amount of protection is more than one million, the annual premium is only a few hundred yuan to one thousand yuan, and the deductible is usually around ten thousand yuan, which is highly leveraged and cost-effective.
? 2. critical illness insurance
The full name of critical illness insurance is critical illness insurance. Obviously, it is an insurance for major diseases. Some products are accompanied by mild to moderate diseases. Generally speaking, the protection is more comprehensive?
It is also health insurance. The biggest difference between critical illness insurance and medical insurance is that medical insurance will reimburse you in proportion to how much you spend, while critical illness insurance will give you a corresponding amount no matter how much you spend.
In other words, once the critical illness insurance is out of danger during the protection period, the insurance company will pay the insurance money in one lump sum. The use of this money is unrestricted, and it is freely controlled by the insured, which plays a more important role in compensating economic losses.