Let's talk about medical insurance first. Health insurance is a kind of health insurance, which mainly refers to the insurance premium that insurance companies need to pay for losses caused by health reasons through sickness insurance, medical insurance or disability income loss insurance and nursing insurance. This insurance is related to the Measures for the Administration of Health Insurance, in which health insurance can be divided into four categories: medical insurance, sickness insurance, income insurance and nursing insurance, and the coverage of health insurance is still relatively wide.
Of course, accident insurance here is different from health insurance. Accident insurance is mainly divided into personal accident insurance, group accident insurance, aviation accident insurance, travel accident insurance, accommodation passenger accident insurance and overseas accident insurance. Accident insurance can also be attached to various life insurance contracts as additional risks. Its main characteristics are obvious short-term and outstanding flexibility, and low premium is one of the first choices for many people.
Therefore, according to the explanation of health insurance and accident insurance, we can clearly know the insurance we want or need to buy. Of course, you can also choose two kinds of insurance to buy together, but for ordinary families, I think this kind of double insurance is really difficult. Of course, if you want to choose one of them, you should choose which insurance to buy the most according to your daily life and work. If you are a person with serious outdoor work and high risk, you can choose to buy accident insurance. If you just go to work regularly, you can buy accident insurance.