Not all diseases are "big diseases", not all to reimbursement, critical illness insurance and medical insurance are commercial insurance, and are health insurance, the difference between them are mainly the following:
1, the way of payment is different
Medical insurance is mainly in the form of reimbursement to compensate for the insured, so that is the insured hospitalization costs. Critical illness insurance, on the other hand, pays out according to the agreed sum insured, so that the amount paid out may be greater than the insured's medical expenses.
2, the payment form is different
Medical insurance is usually single payment, the payment period is one year, the protection period is one year. Critical illness insurance can choose to pay wholesale or installment, the payment period can choose 10 years, 20 years, 30 years, etc., and the protection period is regular or lifelong.
3, the risk situation is different
There are two main risks when a person suffers from a serious illness, on the one hand, the cost of treatment expenses, and on the other hand, the cost of rehabilitation. The former is reimbursed by medical insurance, while the latter is the risk category targeted by critical illness insurance. Post-recovery, loss of income, and living expenses can all be covered by critical illness insurance.
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