On the types of health insurance
According to the payment method, health insurance can be divided into three types:
1, payment type. When the insured suffers from diseases or circumstances agreed in the insurance contract, the insurance company shall pay the insurance money to the insured in accordance with the contract. The amount of insurance money is fixed. Once diagnosed, the insurance company will pay the insurance money in one lump sum according to the insurance amount specified in the contract. The critical illness insurance of all insurance companies belongs to the payment type.
2. reimbursement. The insurance company shall reimburse the medical expenses actually paid by the insured according to the proportion agreed in the insurance contract. Such as hospitalization medical insurance and accidental injury medical insurance. It belongs to the reimbursement type.
3. Types of subsidies. The insurance company pays the insurance money according to the actual hospitalization days and surgical items of the insured. The insurance premium is generally calculated on a daily basis, and the total amount of insurance premium varies according to the number of days of hospitalization and the different surgical items. Such as hospitalization medical subsidy insurance and hospitalization peace of mind insurance. There are subsidies. According to insurance liability, health insurance is divided into sickness insurance, medical insurance, income security insurance and long-term care insurance.
Main characteristics of health insurance
Experts pointed out that except for major diseases, most health insurance, especially medical expenses insurance, is often a one-year short-term contract. The pricing of health insurance products mainly considers the disease rate, disability rate and disease (disability) duration. The calculation of health insurance rate is based on the loss rate of insured amount, and the unexpired liability reserve at the end of the year is generally paid according to a certain proportion of the premium income of the current year. In addition, waiting period, deductible, deductible, * * payment ratio, payment method and payment limit will also affect the final rate. Payment of health insurance.
Whether the principle of compensation is applicable to health insurance cannot be generalized. Expense-based health insurance applies this principle and is a compensatory payment. However, the fixed payment of health insurance is not applicable, and the payment of insurance benefits has nothing to do with actual losses. The coverage of health insurance is that the insured of general critical illness insurance can participate as long as their age meets the requirements, but the amount of compensation is different between men and women, and men are higher than women. With the intensification of competition in the insurance market, critical illness insurance for men, women and children has appeared in the market. This kind of insurance strengthens the protection of specific groups. Customers can add this insurance according to the situation, but they must not only buy this insurance. After all, there are still many serious illnesses, regardless of gender, age and age. We should give priority to buying some basic serious illness insurance. What kinds of critical illness insurance for children are available? Which are cost-effective? Which is the most worth buying? Let's take a look at 10 the inventory of children's critical illness insurance sold by major insurance companies.
Therefore, in order to give yourself and your family a more intimate protection, it is recommended to buy a health insurance that suits you as soon as possible.