What's the difference between personal accident insurance and health insurance?
Most people buy personal accident insurance and health insurance, but they don't know the difference. According to industry professionals, the difference between personal accident insurance and health insurance is mainly manifested in the following aspects:
1, different insurance liabilities
Personal accident insurance emphasizes the externality of accidents, while health insurance emphasizes the treatment caused by internal diseases as insurance accidents; The difference between the two is that personal accidental injury is obvious. For those hospitalized due to accidental injury, health insurance will pay medical insurance benefits, while accidental injury insurance will only pay disability insurance benefits when medical treatment is terminated and disability is determined. Disability and death caused by illness are the insurance liability of health insurance, while the insurance liability of personal accident insurance is caused by accidental injury.
2. The nature of payment is different.
In personal accident insurance, most of them are fixed payments and have the nature of payment. However, most of the benefits paid by health insurance are compensatory. 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 service: The medical expenses are paid directly by the insurer.
To sum up, the difference between personal accident insurance and health insurance is mainly manifested in the different insurance liabilities and the different nature of compensation. Although there are differences between the two, we still have to buy them together, so that the protection will be more comprehensive.
Relevant suggestions
The Characteristics of Traveling to personal accident insurance
With the improvement of people's living standards, more and more people begin to travel alone or in groups. Traveling is interesting, but it also has risks. In order to give themselves more protection, many consumers choose to travel personal accident insurance. Travel accident insurance is a short-term insurance, which can provide comprehensive protection for tourists. It mainly protects the risk of personal accidental injury that tourists may suffer in tourism activities, and can be insured by tourists themselves or by travel agencies or tourism organizers. This kind of insurance has wider coverage, more comprehensive insurance liability and more thoughtful design.
Problems needing attention in insurance rating of health insurance companies
With the rapid development of social economy, people's living standards have been improved as a whole, but the deteriorating living environment has made health problems increasingly the focus of attention. Faced with all kinds of health insurance in the market, most consumers who are insured for the first time will pay more or less attention to the ranking of health insurance companies. In fact, the most important thing to buy insurance is to choose the insurance that suits you. 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