2. According to the insurance period, it can be divided into short-term health insurance and long-term health insurance. The length of insurance period can also be combined with the number of policyholders to form short-term group insurance and long-term group insurance, and can also be combined with individuals to form short-term individual insurance and long-term individual insurance.
3. Classification by insurance liability a) Sickness insurance refers to insurance with illness as the condition of paying insurance benefits, that is, as long as the insured suffers from a certain disease listed in the insurance clause, regardless of whether medical expenses occur or how much expenses occur, he can get fixed compensation. B) Medical Insurance Medical insurance, also known as medical expense insurance, refers to the insurance that compensates the expenses incurred by the insured when receiving medical services. C) Disability insurance Disability insurance, also known as income loss insurance and income security insurance, refers to insurance that causes income and property losses due to the insured's loss of working ability.
4. According to the types of losses, it can be divided into medical expense insurance, disability income loss insurance and long-term care insurance.
5, according to the different payment methods.
A) cost insurance. Based on the reasonable medical expenses incurred by the insured in the process of medical treatment, the insurer shall compensate all or part of the medical expenses in accordance with the provisions of the insurance contract.
B) Subsidy insurance (fixed payment insurance). Subsidized insurance refers to the insurance that pays the insurance premium according to the standard agreed in the insurance contract regardless of the actual expenditure of the insured.
C) Providing service-oriented products. In the process of providing such products, the insurer directly participates in the management of the medical service system. The insurer selects medical service providers (hospitals, clinics and doctors) according to certain standards, and organizes the selected medical service providers to provide medical services for the insured. There are strict and formal operating procedures to ensure the quality of service, and the use of medical services is often audited. Insured people can enjoy economic benefits by looking for designated medical service institutions according to the prescribed procedures.
The existing relationship between social insurance and commercial insurance;
Functionally, both of them are social risk resolution mechanisms.
Social insurance is the main body of the multi-level social security system, and commercial insurance can be used as a supplement to social insurance and an integral part of the multi-level social security system. Social insurance came into being later than commercial insurance, and many terms and calculation and prediction methods used in it are related to commercial insurance.