Generally, everyone's health insurance is divided into four types, namely, medical insurance, sickness insurance, disability income loss insurance and nursing insurance. Among them, critical illness insurance and medical insurance are most recommended.
：
Classification of insurance types
medical insurance
That is, medical expenses insurance refers to the insurance that pays the insurance premium based on the agreed medical expenses, that is, the insurance that provides medical expenses protection. It is one of the main contents of health insurance, including not only the doctor's medical expenses and operation expenses, but also the expenses of hospitalization, nursing and hospital equipment.
sickness insurance
Refers to the insurance with illness as the payment condition, including general illness insurance and critical illness insurance. Usually, the insurance amount of this kind of policy is relatively large, and the payment method is generally to pay the insurance amount in one lump sum immediately after the diagnosis of a special disease.
Income security insurance
It refers to insurance with the condition that income is interrupted or reduced due to accidental injury or illness. Specifically, it refers to a form of insurance in which the insurer pays the insurance money in installments within a certain period of time when the insured is disabled due to illness or accidental injury.
Nursing insurance
Long-term care insurance is a health insurance that provides compensation for the cost of nursing services for the insured who need long-term care due to old age, illness or disability. The insurance scope is divided into four levels: medical care, intermediate care, nursing care and home care, but the early long-term care insurance products did not include home care.
main sourc
Insurance is divided into two categories: property insurance and life insurance. Health insurance is an independent insurance, paid by individual insurance.
Preview mode
The payment of health insurance usually includes two parts: compensating the living expenses of the insured when he is unable to work due to short-term illness and providing medical services for the insured. There are three ways to provide medical services:
(1) pay the fees directly to the institutions providing medical and health services;
(2) The medical expenses shall be paid in advance by the sick insured and then compensated by the insurance institution;
(3) Medical and health care services are provided by insurance institutions or medical institutions directly established by the government.
The sources of health insurance are generally insurance premiums paid by the insured and their enterprises and government financial subsidies. The payment method of insurance premium can be allocated from general tax, or health insurance tax can be levied separately.
Different countries have different levels of medical insurance benefits, and different people in the same country enjoy different benefits. Some give full compensation for medical expenses; Some outpatient expenses are not compensated, but only hospitalization expenses; Some have specific regulations on the amount of compensation for drugs and various services. Generally speaking, patients have to bear a small amount of expenses.