First, the definitions of health insurance and life insurance are different.
1, health insurance is health insurance, which 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. Life insurance takes people's life span as the insurance object and life and death as the payment condition. Life insurance refers to survival, not birth. Death refers to death, including death declared by the court according to law. Except for suicide and criminal death, the condition of insurance payment is that as long as death occurs, the cause of death is not considered. The amount of insurance is selected by the insured.
2. Personal insurance, that is, life insurance, is insurance that takes people's life and death as the insurance object. It is insurance in which the insured survives or dies during the insurance liability period and the insurer pays the insurance money according to the contract. According to the business scope, life insurance includes whole life insurance, death insurance and old-age security. According to the guarantee period, life insurance can be divided into term life insurance and whole life insurance.
Two, the classification of health insurance and life insurance is different.
1. The types of health insurance are: medical insurance, sickness insurance, income insurance and nursing insurance.
2. Life insurance is divided into six types: term life insurance, whole life insurance, survival insurance, life and death insurance, endowment insurance and catastrophe protection.
Third, the main difference between health insurance and life insurance lies in the content and function of protection. Health insurance, including critical illness insurance and medical insurance, is necessary for everyone. Life insurance guarantees life and death. More specifically, hospitalization and payment of medical expenses during illness belong to the scope of health insurance, and its main purpose is to reimburse medical expenses and reduce the economic burden. It belongs to the category of personal insurance that you can get insurance claims when you reach a certain age or die during the insurance period. Life insurance is not compensation for death, nor can it be used by itself. Family members are useful, mainly to solve the problem of the insured's old-age care and the problem of food and clothing for the whole family after death, which benefits a wider range.
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