The difference between health insurance and accident insurance
In fact, health insurance and accident insurance are often confused Many people don't know the specific differences between them when they buy. Regarding the difference between the two, let me sort out the following points.
1 has different meanings. Accident insurance refers to life insurance in which the insured dies or is disabled due to accidental injury. Accident insurance has three meanings: (1) there must be an objective accident, and the objective cause of the accident must be accidental, accidental and unpredictable; (2) The insured must die or be disabled due to an objective accident; (3) There must be an inherent connection between the occurrence of accidents and the result of the insured's personal death or disability. Health insurance refers to the insurance that insurance companies pay insurance money for the expenses or losses incurred by the insured due to health reasons through sickness insurance, medical insurance, disability income loss insurance and nursing insurance. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China
2. The basic content is different. Accident insurance means that the insured pays a certain amount of insurance premium to the insurer. If the insured suffers accidental injury, death, disability, medical expenses or temporary loss of working ability within the prescribed insurance period, the insurance company will pay a certain amount of insurance money. Health insurance is divided into sickness insurance, medical insurance and income security insurance. There are three main conditions: (1) must be caused by obvious non-external reasons; (2) It must be caused by non-congenital reasons; (3) It must be caused by non-permanence.
2. Different payment methods. Accident insurance is mainly about death and disability compensation, which is the basic responsibility of accident insurance, including medical compensation, lost time compensation, funeral compensation and survivors' living expenses compensation. Health insurance is based on the insured's body, and it can be divided into three types according to payment methods: (1) payment type. When the insured suffers from the disease agreed in the insurance contract or the contract occurs, the insurance company pays a fixed premium according to the contract content. At present, the critical illness insurance introduced by various insurance companies in the market belongs to payment type. (2) Reimbursement, in which the insurance company reimburses 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) Subsidy type, the insurance company pays the insurance money according to the insured's actual hospitalization days and surgical items. Such as hospitalization medical subsidy insurance and hospitalization peace of mind insurance. There are subsidies.
3. Different insurance liabilities
Accident insurance emphasizes the externality of accidents, while health insurance regards the treatment caused by internal diseases as insurance accidents; Disability and death caused by illness are the insurance liability of health insurance, while the insurance liability of accidental injury insurance is disability and death caused by accidental injury.
4. The nature of payment is different. Accident insurance is mostly fixed payment, which has the nature of payment, that is, economic assistance. Health insurance benefits are mostly compensatory, and there are three forms:
(1) Fixed payment, similar to life insurance and accident insurance;
(2) actual compensation, according to the actual medical expenses, although there is a maximum limit;
(3) Prepaid services, medical expenses are paid directly by the insurer.
5. The coverage is different. Accident insurance mainly covers the death, disability and medical expenses of the insured due to accidents. The death insurance amount is paid, the disability and burn are paid in proportion, and the maximum insurance amount is paid. Generally, 80% of medical expenses are reimbursed, and a few companies' products 100% are reimbursed, but there are expenses limited to medical insurance. Health insurance is a kind of insurance to compensate the insured for the expenses or losses caused by illness or accident. For the strategy of medical insurance reimbursement, I just sorted out the relevant contents, hoping to help you: how to use social security medical insurance? 1. Teach you how to apply for reimbursement!
To sum up, health insurance, like property insurance, has the problems of double insurance and subrogation. If the insured has insured the health insurance of several insurance companies, in the event of an insurance accident, there may be a situation that the medical payment insurance premium is higher than the actual medical expenses, which is not allowed. If the insured accident is caused by a third party, the insurer may, after paying the insurance premium, require the insured to transfer the right to recover from the third party to the insurer, or make up the difference between the compensation and the insurance premium after the third party compensates.
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Accident insurance and critical illness insurance are the first choice for commercial insurance.
With the continuous development and progress of traffic, daily travel becomes more and more convenient. However, the personal and property injuries caused by traffic accidents are also expanding. At the same time, the high-speed pace of life in modern society is constantly testing people's inner endurance. Although many people have purchased social insurance, the financial support of social security is particularly weak when man-made accidents or their own diseases occur. As a result, many people think of taking out commercial insurance, and accident insurance and critical illness insurance in commercial insurance are the focus of attention.
How to buy additional accident insurance for critical illness insurance is better?
Insurance can play the role of family stabilizer, and accidents and medical treatment are an indispensable part of the family. In the journey of life, the three risks of illness, accident and pension are hard to predict, especially the first two. Some people will choose to sketch several major illness insurance, accident insurance and medical insurance to give themselves enough protection, but it is obviously unrealistic for people with poor economic conditions. So how to buy additional accident insurance for major illness insurance is better? Next, let's take a look with me!