Such a question really silenced the seniors. It seems that I have to talk about it today, so how did health insurance and medical insurance appear, and what is the connection between them?
1. What is health insurance?
Health insurance refers to the insurance that the insurance company pays compensation according to the agreement after the insured is diagnosed with related diseases or an agreed accident. Health insurance belongs to a wide variety of large-scale insurance, which is subdivided into critical illness insurance, medical insurance, nursing insurance and disability income loss insurance.
Broadly speaking, the function of health insurance is to make economic compensation for the risks that endanger health.
For example, in critical illness insurance, the insured can get compensation if he is diagnosed with an agreed disease and meets the conditions. In view of the fact that this insurance money is not required to be used, it can be used to meet the expenses during illness, or it can be saved for later use. Anyway, the loss caused by illness can be compensated by it.
As we all know, everyone may get sick, so health insurance can be said to be a necessity for everyone. However, as mentioned above, health insurance also has many subordinate classifications, and everyone can choose according to their own needs.
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Second, what is medical insurance?
As an insurance that can reduce the medical burden, medical insurance can reimburse those who meet the requirements and have the necessary treatment expenses. In principle, it is stipulated to be reimbursed. According to the breakdown of the amount, medical insurance is divided into two types: small medical insurance and million medical insurance.
Different from medical insurance, the reimbursement scope of medical insurance is relatively large, and many products on sale can be reimbursed for items outside the social security drug list. Therefore, medical insurance is often a supplement to medical insurance to relieve your financial pressure when you are sick.
It should be noted that the nutritional expenses during the rest period are often not reimbursed by medical insurance. In addition, if some special treatment is beyond the scope stipulated in the contract, it cannot be reimbursed.
Nevertheless, medical insurance can also be said to be a cost-effective insurance. Under normal circumstances, you can get high medical insurance with only a few hundred premiums each year. Therefore, it is necessary for both the elderly and children, women and men, as long as they have the opportunity to take out insurance.
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3. What is the difference between health insurance and medical insurance?
1 and range
It can be understood that health insurance includes medical insurance, but the latter is more extensive. Therefore, it doesn't matter that medical insurance is health insurance at ordinary times, but it is not enough to pay attention to health insurance as medical insurance. After all, critical illness insurance, cancer prevention insurance or nursing insurance all belong to health insurance.
Generally speaking, medical insurance can be said to be health insurance, but health insurance cannot be called medical insurance.
2. Do I need to buy other health insurance after buying medical insurance?
Even if you buy medical insurance, if you have sufficient funds, you can start with a health insurance, such as critical illness insurance.
Not to mention that medical insurance has certain restrictions on the scope of reimbursement. In addition, many products on the market do not have medical advance payment protection, and the insured must pay the expenses themselves before reimbursement. As long as the critical illness insurance meets the requirements, you can enjoy claims. This money can cover the cost of seeing a doctor.
For more differences between medical insurance and critical illness insurance, please read the following article:
After reading these contents of medical insurance, you will know why you need to buy critical illness insurance.
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