Classification of commercial health insurance:
According to insurance liability, health insurance includes sickness insurance, medical insurance, income insurance and long-term care insurance.
Characteristics of commercial health insurance:
1. Sickness insurance refers to insurance with the occurrence of diseases as the payment condition;
2. Commercial medical insurance refers to insurance with the occurrence of agreed medical treatment as the payment condition;
3. Income security insurance refers to insurance in which income is interrupted or reduced due to accidental injury or illness as a condition for paying insurance benefits;
4. Long-term care insurance refers to insurance that requires care due to accidental injury or illness.
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