1, general insurance companies have the following types of insurance against diseases: major illness life insurance; Medical and health insurance; Insurance specifically for certain diseases or certain diseases (such as cancer prevention insurance and female reproductive health insurance). );
2, major illness life insurance, mainly for dozens of major diseases and give agreed insurance claims products. As a kind of life insurance, its claim requirements are often relatively high, and it is generally after these major diseases develop to the middle and late stages that they meet their claim conditions. Later, due to the intervention of the China Insurance Regulatory Commission, some companies revised their own terms, so they generally chose this as the biggest backup guarantee. Such products are both debt-paying and consumption-oriented, and customers can choose according to their own conditions;
3. Medical and health insurance. At present, among the commercial insurance products for individuals, health insurance mainly includes hospitalization subsidies, intensive care subsidies, reimbursement of hospitalization expenses, reimbursement of surgical expenses and reimbursement of unexpected medical expenses. Generally, it is a combination of sales, and sometimes it is combined with accident insurance or personal insurance as an additional risk. For commercial insurance, this is the most commonly used part of disease protection. But this is a consumer product that has not been repaid, and generally there is no repayment;
4. Special disease insurance. This kind of products are sold in some insurance companies, mainly for the protection products that are paid according to the insured amount for some frequently-occurring diseases. Compared with major illness life insurance, the premium is cheaper because it only targets one or several diseases. But most of them are consumer products, and they don't pay the principal.