Medical insurance includes basic medical insurance and commercial medical insurance. Among them, basic medical insurance is included in social security. When the insured has medical expenses, the medical insurance institution will give him some economic compensation. Commercial medical insurance is voluntary participation of units and individuals. Consumers pay a certain amount of insurance money and can reimburse medical expenses through insurance companies when they are hospitalized.
1. Health insurance, the Chinese abbreviation of health insurance, refers to the insurance that insurance companies pay insurance money for losses caused by health reasons through sickness insurance, medical insurance, disability income loss insurance and nursing insurance. Insurance classification: (1) medical insurance. That is, medical expenses insurance refers to the insurance that pays the insurance premium based on the agreed medical expenses, that is, the insurance that provides medical expenses protection. It is one of the main contents of health insurance, including not only the doctor's medical expenses and operation expenses, but also the expenses of hospitalization, nursing and hospital equipment.
Second, (2) sickness insurance. Refers to the insurance with illness as the payment condition, including 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. (3) Income security insurance. It 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 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 did not include home care.