Medicare is known to be a type of insurance that is designed to compensate for the medical costs associated with illness. Many people are afraid of not having the money to pay for treatment when illnesses strike, so most people choose to buy one of these insurance policies so that they can transfer the risk to the insurance company when the risk arrives. However, for the purchase of medical insurance many people are not very clear about the types of medical insurance, in this regard, I explain the common types of medical insurance include what? Which is the strongest insurance company, I just happened to organize the relevant content, I hope to help you: the latest list! Top 10 insurance companies in the country
What are the common types of health insurance included?
When you're sick and hospitalized, it takes money to hold up the cost of treatment, medicine, hospitalization, and so on. For some of the poorer families is undoubtedly not a huge amount of money. Therefore, many people will choose to save for a rainy day, through the purchase of medical insurance to transfer the risk to the insurance company. However, for the purchase of medical insurance, it is necessary for you to have a certain understanding of the common types of medical insurance, in this regard, I have organized a few common types of medical insurance for your reference.
1, general medical insurance
General medical insurance refers to the insurance company to the insured person to provide 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. Surgical Insurance
Surgical insurance is a policy that provides for all expenses incurred as a result of a patient needing to undergo a necessary surgery.
4. Hospitalization insurance
Hospitalization costs are usually high when a person is hospitalized, so hospitalization costs are treated as a separate insurance policy. The cost of hospitalization insurance mainly includes the cost of surgery, daily hospital fee (bed fee), the cost of using hospital equipment, and medical expenses. The cost of hospitalization insurance is affected by the length of hospitalization.
In summary, the common types of health insurance mainly include general health insurance, comprehensive health insurance, surgical insurance, and hospitalization insurance.