The insurance liability of health insurance mainly includes

Generally speaking, the coverage of health insurance includes: wage income loss; Loss of commercial interests; Medical expenses; Disability allowance, funeral expenses, living allowance for survivors, etc. Generally speaking, the main contents of health insurance can be divided into two categories. One is to cover the loss of medical expenses caused by illness and childbirth, which is generally called medical insurance or medical expense insurance; Another kind of insurance covers loss of income caused by disability caused by illness or accident. If the insured is completely unable to work, his income loss is all; If you can't resume all your jobs and can only engage in jobs with lower income than your original job, then the loss of income is partial, and the amount of loss is the difference between the original income and the new income. This kind of health insurance is generally called disability income compensation insurance.

At present, the compensation insurance for disability income in China's health insurance is relatively rare, and the coverage of health insurance mainly includes: illness, childbirth, disability caused by childbirth or disease, and death caused by childbirth or disease. The first two items aim at compensating the loss of medical expenses and belong to pure health insurance. In addition to medical expenses, the third item also compensates the insured for the loss of living income, which belongs to disability insurance. The fourth item supplements the funeral expenses and pays the living expenses of the survivors, which is similar to life insurance with death as the condition. So some people say that health insurance is a comprehensive insurance. In fact, health insurance is rarely underwritten separately, and most of the time it appears as an additional risk of life insurance, that is, additional illness insurance and additional maternity insurance.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.