What is the difference and function between commercial health insurance and life insurance?

Commercial health insurance is a kind of personal insurance that takes the insured's body as the insurance object, so that the expenses and losses incurred by the insured due to illness or accidental injury can be compensated. Life insurance is a life insurance with the life span of the insured as the insurance object and the survival or death of the insured as the payment condition.

If there is anything else you want to know about insurance, you can read this article by Senior Sister:

Super full! Everything you want to know about insurance is here.

Then the senior sister will give you a good introduction to commercial health insurance and life insurance, without much nonsense, and go directly to dry goods!

Commercial health insurance includes sickness insurance, medical insurance, disability income loss insurance, nursing insurance and medical accident insurance, and life insurance includes term life insurance, whole life insurance insurance and old-age security.

In order to see the difference between health insurance and life insurance in detail, senior sister takes critical illness insurance and term life insurance as examples to see what the difference is.

1. critical illness insurance

Critical illness insurance is used to protect major diseases and pay a fixed amount. In other words, if you are in danger during the warranty period and meet the compensation conditions stipulated in the contract, the insurance company will directly compensate you for the agreed insurance amount, and you can spend the money as you like.

There are three types of critical illness insurance: consumption type, savings type and return type. Of course, senior sister gives priority to recommending you to take out savings-type critical illness insurance. If you are sick, you will lose. It's still a good deal.

So what are the excellent savings-type critical illness insurance on the market? Little friends in need can come and see:

Top Ten Critical Illness Insurance Inventory with Good Quality and Cheap Price

2. Term life insurance

Term life insurance belongs to life insurance. When the insured dies or is totally disabled, as long as the payment conditions of term life insurance are met, the insurance company will pay a sum of death or total disability insurance money to the insured's family. Term life insurance is most suitable for people who are older, have less family support, or have high debts.

For us ordinary people, it is to prevent us from leaving debts to our families after death. A term life insurance can help us to continue to fulfill our maintenance obligations and fulfill our final responsibilities to our families.

Senior in order to prevent everyone from stepping on the thunder, specially compiled a list of excellent life insurance on the market for everyone:

Top Ten Life Insurance Rankings Worth Buying!

Hope to adopt

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