What kind of insurance does health insurance include?
1 medical insurance: medical insurance mainly refers to the expenses incurred by the insured for medical treatment, including medical expenses, operation expenses, hospitalization expenses, nursing expenses, hospital equipment expenses, etc.
2. Sickness insurance: refers to the insurance with illness as the condition of payment of insurance benefits, which is mainly divided into two forms: general illness insurance and critical illness insurance. Usually, the insurance amount of this kind of policy is relatively large, and the payment method is generally to pay the insurance amount in one lump sum immediately after the diagnosis of a special disease.
Income security insurance: refers to insurance with the condition that income is interrupted or reduced due to accidental injury or illness. Specifically, it refers to a form of insurance in which the insurer pays the insurance money in installments within a certain period of time when the insured is disabled and unable to work due to illness or accidental injury.
4. Nursing insurance: Long-term care insurance is a health insurance that provides compensation for the cost of nursing services for the insured who need long-term care due to old age, illness or disability. The insurance scope is divided into four levels: medical care, intermediate care, nursing care and home care, but the early long-term care insurance products do not include home care and are generally suitable for the elderly.
Generally speaking, health insurance mainly refers to the insurance company's behavior of paying insurance money to the insured's medical expenses, hospitalization expenses and income losses caused by illness according to the contract. General health insurance has a waiting period, which is usually an obvious problem caused by non-congenital, non-permanent and non-external reasons.