What is commercial health insurance, and what types of insurance does it include?

Let's answer the main questions back and forth first: in a nutshell, commercial health insurance refers to insurance that takes the insured's body as the insurance purpose and guarantees the insured to get compensation for direct expenses or indirect losses caused by illness or accidents; These include sickness insurance, medical insurance and income loss insurance. Let's briefly introduce the contents of commercial health insurance to you.

Before starting the formal content, the seniors prepared an insurance knowledge material, and interested friends can poke this:

Super full! Everything you want to know about insurance is here.

1. Analysis of Commercial Health Insurance

There are four main types of commercial health insurance, among which the representative of disease insurance is the critical illness insurance that we are relatively familiar with, and the representative of medical insurance is medical insurance; These two kinds of insurance are common and just needed by everyone.

Although most people now have medical insurance or residents' social security, the strength and scope of this basic medical insurance are indeed limited. So if you want to get a relatively comprehensive protection, I suggest that you still need to insure commercial health insurance.

Seeing this, if you want to know more about health insurance, the following article must not be missed:

Is it necessary to buy health insurance? These routines must be paid attention to!

2. Precautions for commercial health insurance

Through the above, everyone has a certain understanding of commercial health insurance, so for those who have the intention to insure commercial health insurance, Senior Sister will tell you some tips:

(1) Take out commercial health insurance as soon as possible. Age is an important reference factor in determining the premium. Generally speaking, the younger the insured, the less premium he has to pay. Moreover, people's health will generally deteriorate with age, so it is more necessary to take out insurance as soon as possible.

(2) When handling commercial health insurance, health advice suggests telling the truth. Especially when applying for critical illness insurance and medical insurance, we must pay attention to fulfilling the obligation of telling the truth to avoid subsequent claims disputes.

At the end of the article, more details about dispute resolution are arranged by senior students as follows. Interested friends can click here to see:

Correct operating procedures for claims disputes.

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