1, medical insurance:
Medical insurance generally refers to basic medical insurance, which is a kind of social insurance. The expenses incurred by the insured in the prescribed hospital shall be reimbursed by the medical institution in proportion.
In addition, it also includes commercial medical insurance, that is, millions of medical insurance, cancer insurance and so on. Like social medical insurance, medical expenses reimbursement, but insurance companies pay.
2. Sickness insurance
Generally, it is divided into general illness insurance and critical illness insurance. Among them, critical illness insurance is one that we usually contact more, mainly to protect the major diseases agreed in the contract, and those who meet the claim conditions can pay the insurance money in one lump sum.
Due to the long treatment time and serious illness, one-time payment of insurance money can make up for the income loss caused by the insured's inability to work during the treatment period.
3. Income security insurance
Just like the literal meaning, income security mainly means that if the insured is disabled due to illness or accident and cannot work, the insurance company will pay an insurance premium within a certain period of time. Its main function is to make up for economic losses.
4. Nursing insurance
This kind of insurance is easy to understand, that is, because of the inconvenience of life, others need to take care of it as a compensation condition to pay the nursing expenses needed during the nursing period, and the main protection object is the elderly or the disabled.
Just a few months ago, the National Medical Insurance Bureau decided to expand the pilot scope of long-term care insurance. In the future, our "five insurances and one gold" will become "six insurances and one gold".
The above four types of insurance are included in health insurance.