1, Italian health insurance includes personal accident insurance and health insurance, which provides protection for accidents and traffic accidents in life, as well as hospitalization medical security, hospitalization delay, nursing allowance and emergency rescue services.
2. personal accident insurance, also known as accident or injury insurance. It means that the insured pays a certain amount of insurance premium to the insurance company, and when the insured suffers accidental injury during the insurance period, which directly leads to death or disability, the insurance company pays a certain amount of insurance premium to the insurer or beneficiary according to the insurance contract.
3. Health insurance means that insurance companies pay insurance money for losses caused by health reasons through sickness insurance, medical insurance, disability income loss insurance and nursing insurance.
Extended data:
The main differences between commercial insurance and social insurance are:
1. Commercial insurance is a commercial activity. For the purpose of pursuing profits, insurance operators shall conduct independent accounting, operate independently and be responsible for their own profits and losses. Social insurance is a national social security system, which aims to provide people with basic living security, backed by national financial support.
2. Commercial insurance is based on the principle of equality and voluntariness. Whether to establish an insurance relationship is entirely up to the insured. Social insurance is compulsory, and all citizens or workers who meet the statutory conditions are directly stipulated by national legislation.
3. The coverage of commercial insurance shall be determined by the applicant, the insured and the insurance company through consultation. Under different insurance contracts and different types of insurance, the coverage and level of the insured are different, while the coverage of social insurance is generally stipulated by the state in advance, with narrow risk coverage and low level of protection. This is determined by the nature of its social security.
Social insurance is a social security system enforced by the state, and the insured enjoys the right of permanent protection. The government bears the ultimate responsibility for insurance finance, and the losses incurred are made up by the state financial allocation.