Health insurance is the Chinese abbreviation of health insurance, which refers to the insurance that insurance companies pay insurance money for losses caused by health reasons through sickness insurance, medical insurance, disability income loss insurance and nursing insurance. It usually includes the following types of insurance:
Critical illness insurance: it mainly covers special and large diseases with strict claims within the coverage of commercial insurance companies. (Once the claim standard is met, the payment will be made first, the funds will be freely controlled, and the treatment method and drug type can be selected at will). Hospitalization medical insurance: the main guarantee is the medical expenses incurred in hospitalization. The premise of this kind of insurance reimbursement is hospitalization, and the scope of protection includes hospitalization medical expenses (related outpatient expenses) and unexpected hospitalization medical expenses. (Reimbursement within the scope of medical insurance). Accidental injury: the main protection content is accidental death or accidental disability. (Reimbursement within the scope of medical insurance). Accidental medical treatment: the main guarantee content is the medical expenses caused by accidents, which can be reimbursed for both outpatient and hospitalization. (Reimbursement within the scope of medical insurance). Hospitalization allowance: the main guarantee content is insurance that gives subsidies according to the length of hospitalization and insurance terms. (Both illness and accidental hospitalization can be reimbursed) (only related to the number of days, not related to the reason for hospitalization) Accidental hospitalization allowance: the main guarantee content is to give hospitalization allowance according to the number of accidental hospitalization days and insurance clauses. (only related to the number of days, not to unexpected reasons). To insure suitable health insurance, it is best to check its coverage in advance and then purchase it through a formal insurance platform. Huize. Com is the largest insurance e-commerce platform in China. Welcome to make a comprehensive comparison and purchase. Sunshine Sincerity 128 The coverage of the critical illness protection plan: * You can choose up to 300,000 critical illness cancer protection * You can pay 300,000 yuan of insurance money immediately after your death * The value-added benefits are stronger, and 54,400 yuan will be returned at maturity. The minimum monthly expenditure 14 1 yuan: * accidental death/disability/burn/medical/hospitalization allowance *.