1, medical insurance
Medical insurance refers to the insurance with agreed medical expenses as the condition of payment of insurance benefits, that is, the insurance that provides medical expenses protection. Medical expenses include medical expenses and surgical expenses, and expenses for using medical equipment during hospitalization and treatment of patients. Medical insurance includes general medical insurance, hospitalization insurance, operation insurance and comprehensive medical insurance.
2. Sickness insurance
Sickness insurance refers to insurance with illness as the condition of paying insurance benefits. Under normal circumstances, this kind of insurance has a large amount of insurance, which can be paid in one lump sum. As an independent insurance, sickness insurance does not need to be attached to other insurances. In addition, sickness insurance usually has a waiting period, and the policy will not take effect until the waiting period is over. At the same time, its coverage is generally wide, the insurance period is long, and it can be paid in installments or at one time.
3. Income security insurance
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. The insurer shall compensate the insured in installments within a certain period of time. There are two kinds of income security insurance, one is the income loss caused by injury, and the other is the income loss caused by illness.
4. Long-term care 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. Long-term care insurance includes four categories: medical staff care, intermediate care, nursing care and home care.
Test your anti-risk index, and experts will interpret it for you for free!