Medical insurance includes: general medical insurance, comprehensive medical insurance, hospitalization insurance and so on.
1, general medical insurance
General medical insurance refers to the insurance company to provide the insured person with treatment of illnesses when the general medical expenses, which includes the cost of outpatient clinic fees, examination costs, pharmaceutical costs and so on. General medical insurance has a low premium cost and is a more suitable insurance for the general public.
2. Comprehensive medical insurance
Comprehensive medical insurance refers to an insurance company that provides a more comprehensive type of medical expense insurance for the insured, which covers medical, surgical, and hospitalization expenses. The cost of the policy for this type of insurance will be higher. A lower deductible is usually determined along with an appropriate share of the cost.
3, hospitalization insurance
Generally sick hospitalization, the cost of hospitalization tends to be higher, so hospitalization costs will be treated as a separate insurance. The cost of hospitalization insurance mainly includes the cost of surgery, daily hospital fees, the cost of using hospital equipment, and medical expenses. The cost of hospitalization insurance is affected by the length of the hospitalization period.
Scope of medical insurance
Broadly speaking, the scope of medical insurance mainly refers to the group of people covered by the medical insurance and the degree of medical protection specifically enjoyed by that group of people. For example, China's basic medical insurance system for urban workers provides that "all urban employers, including enterprises (state-owned enterprises, collective enterprises, foreign-invested enterprises, private enterprises), organs, institutions, social organizations, private non-enterprise units and their employees must participate in basic medical insurance.
Narrowly speaking, the scope of medical insurance is usually defined through both the scope of medical insurance liability and medical insurance exclusions. For example, in German social health insurance, the medical services covered include outpatient treatment, dental treatment (including maxillofacial orthopedic treatment, provision of dental prostheses), provision of medicines, bandages and therapeutic aids, home medical care and household help, hospitalization, artificial replacement materials, psychological and functional rehabilitation, and rehabilitation of the ability to work.