1 has different meanings. Accident insurance refers to life insurance in which the insured dies or is disabled due to accidental injury. 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.
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: payment type, reimbursement type and subsidy type.
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. The payment of health insurance benefits is mostly compensatory, including fixed payment, actual compensation and prepaid service.
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.
Test your anti-risk index, and experts will interpret it for you for free!