1, the two have different meanings: critical illness insurance refers to the commercial insurance activities handled by insurance companies with specific major diseases as the insurance target, such as malignant tumor, myocardial infarction and cerebral hemorrhage. As the object of insurance, and the insured suffers from the above diseases, the insurance company pays the insurance money according to the insurance contract.
Commercial medical insurance is an integral part of the medical security system, and units and individuals voluntarily participate.
2. Their insurance purposes are different: the purpose of critical illness insurance is to solve the problem that people become poor and return to poverty due to illness.
The purpose of commercial medical insurance is to reduce the economic pressure on patients and their families caused by the huge medical expenses caused by serious illness.
3. Different coverage: On the basis of basic medical insurance, in critical illness insurance, when the insured (co-insured) suffers from serious illness and incurs high medical expenses, the compliant medical expenses that urban residents need to bear after medical insurance and new rural cooperative medical insurance compensation are guaranteed.
Commercial medical insurance is in accordance with the terms of commercial insurance companies, and the insured can apply for compensation after suffering from major diseases agreed in the contract.
Baidu encyclopedia-critical illness insurance
Baidu encyclopedia commercial medical insurance