Commercial health insurance, referred to as commercial health insurance for short, takes the insured's body as the subject matter to ensure that the insured can get compensation for direct expenses or indirect losses caused by illness or accidents, including medical accident insurance, illness insurance, medical insurance, income protection insurance and long-term care insurance. Sickness insurance refers to insurance with the occurrence of diseases as the payment condition; Medical insurance refers to insurance with the occurrence of agreed medical treatment as the payment condition; Income security insurance refers to insurance that pays insurance benefits on the condition that income is interrupted or reduced due to accidental injury or illness; Long-term care insurance refers to insurance that requires care due to accidental injury or illness. Commercial health insurance for short.
I. Classification of commercial health insurance
1. According to the number of insured persons: individual health insurance and group health insurance.
2. According to the insurance period: short-term health insurance and long-term health insurance.
3. Classification by insurance liability: sickness insurance, medical insurance, disability income insurance and nursing insurance.
4. According to the payment methods, there are expense insurance (that is, medical expenses compensation), subsidized insurance (that is, fixed payment) and service-oriented products (insurers directly participate in the provision of medical services and can provide corresponding services according to the needs of the insured).
Second, social medical insurance is a kind of security system established by the state to enable citizens to get compensation and help in the case of old age, illness, unemployment, work injury and maternity. It is mandatory, and the premium is reasonably borne by individuals, enterprises and governments. Its purpose is to ensure the basic livelihood of workers and maintain social stability. The main form of commercial health insurance is that according to the contract, the insurance company shall bear the responsibility of paying insurance money when the insured dies, is disabled or sick or reaches the agreed age and time limit. The insured will take out insurance voluntarily, and the individual will pay the insurance premium to the insurance company. Social medical insurance has the advantages of wide coverage, unlimited insured population, relatively low premium and low compensation threshold. But there are also some shortcomings. First of all, the level of social medical insurance is low. The payment standard of social medical insurance is based on ensuring the basic life of the insured, which is far from enough for the insured who pursue a high-quality life. Secondly, the types and functions of social medical insurance are single, and it is based on the principle of "social equity", which can not meet the different requirements of all walks of life. Commercial health insurance provides customers with more choices by designing different rates and different products. In short, social medical insurance focuses on protection and commercial health insurance focuses on compensation. The two go their own ways and complement each other.