The premium of health insurance is much higher than that of medical insurance. For example, critical illness insurance in health insurance. It is thousands or even tens of thousands of premiums every year, but the premium of medical insurance is not that high. The unit pays 8 yuan, the individual pays 2 yuan, and the individual pays 300 yuan to 400 yuan.
2. stronger protection.
Health insurance is based on the health status of the insured, so health insurance includes all kinds of medical insurance, the most basic ones are serious illness insurance, mild illness insurance and middle illness insurance, as well as other outpatient and emergency expenses, drugs purchased and so on. These are the responsibilities covered by medical insurance. If the insured suffers from an agreed disease, he will get the insurance money paid by the insurance company.
3. Make claims within the prescribed scope.
If the insured has an accident within the scope of health protection, he will get compensation. Because health insurance also has the scope of liability exemption. In contrast, medical insurance can be reimbursed as long as it is hospitalized.