1, different insurance liabilities
Personal accident insurance emphasizes the externality of accidents, while health insurance emphasizes the treatment caused by internal diseases as insurance accidents; The difference between the two is that personal accidental injury is obvious. For those hospitalized due to accidental injury, health insurance will pay medical insurance benefits, while accidental injury insurance will only pay disability insurance benefits when medical treatment is terminated and disability is determined. Disability and death caused by illness are the insurance liability of health insurance, while the insurance liability of personal accident insurance is caused by accidental injury.
2. The nature of payment is different.
In personal accident insurance, most of them are fixed payments and have the nature of payment. However, most of the benefits paid by health insurance are compensatory. There are three forms:
(1) Fixed payment: similar to life insurance and accident insurance;
(2) actual compensation: according to the actual medical expenses, although there is a maximum limit;
(3) Prepaid service: The medical expenses are paid directly by the insurer.