What are the characteristics of health insurance?
The main characteristics of health insurance are: 1, insurance period. Compared with life insurance, the duration of health insurance is mostly a one-year short-term contract except for critical illness insurance. The main reasons are: first, the cost of medical services is increasing; Second, the incidence of diseases changes greatly every year, and it is difficult for insurance companies to calculate a long-term applicable insurance rate. The contract term of life insurance is mostly long-term, and a balanced insurance premium rate can be adopted during the whole payment period. How about China Life? I just sorted out the relevant contents, hoping to help you: How about China Life? Do you have any insurance recommendations?
2. Payment of health insurance. The payment of health insurance is divided into compensatory payment and fixed payment according to the different underwriting responsibilities in the insurance contract. Expense-based health insurance, that is, providing insurance protection for the insured's medical expenses or income losses caused by injury, belongs to compensatory payment, similar to property insurance. Fixed payment health insurance, like life insurance and accidental injury insurance, is insured according to the insurance amount agreed in advance in the insurance contract when an accident occurs.
3. Particularity of contract terms. In addition to lifelong medical insurance, health insurance provides compensation for the insured's medical expenses and loss of disability income, basically on the premise of the existence of the insured, and the beneficiary and the insured are the same person, and there is no need to designate a beneficiary. Among the health insurance clauses, there are some special clauses, such as medical examination clause, deductible clause, waiting period clause, existing conditions clause, conversion clause, coordinated payment clause, etc. In addition, there are many definitions of medical terms and nouns in health insurance contracts, and the clauses involving insurance liability are also complicated. I just sorted out the relevant contents about buying insurance for physical examination, hoping to help you: Do you need a physical examination before buying insurance?
4. Except for health insurance. There are two main aspects of the exclusion liability of health insurance: First, the losses caused by war and military operations are high and unpredictable. When setting the normal health insurance rate, it is impossible to calculate the injury factors and medical expenses of war and military operations, so it is regarded as an exclusion. On the other hand, health insurance only bears the risk of accidents, and is not responsible for diseases, deaths and disabilities caused by intentional suicide or attempted suicide.
Understand the characteristics and functions of health insurance.
After everyone understands the characteristics of health insurance, the functions of health insurance mainly include: 1, the role of individuals and families. The risk of disease is objective for both individuals and families. Most people can't bear all the medical expenses independently when they or their family members are seriously ill or seriously injured. They may also face serious economic difficulties and reduce or lose their economic income ability because of temporary or permanent disabilities caused by diseases. In order to prevent the poverty risk caused by diseases, health insurance is the most commonly used method to transfer this risk. 2, the role of enterprises and units. As an important part of the employee welfare system, health insurance plays an increasingly important role in maintaining the normal production of enterprises and units and resisting the impact of layoffs caused by diseases on production. Especially for enterprises and units that use commercial medical insurance to control disease risk, uncontrollable disease risk can be converted into fixed premium expenditure, which not only facilitates cost accounting, but also reduces the burden on enterprises. In addition, providing health insurance for important employees of enterprises is of great significance for strengthening enterprise cohesion, retaining talents and promoting the sustained and stable development of enterprises. In addition, health insurance plays different roles in different countries with different medical security systems. Commercial health insurance is an important supplement to the national tax model and social medical insurance model.
The above is a detailed introduction to the characteristics of health insurance. I believe everyone will understand better after listening to it, and I hope everyone can buy a health insurance as soon as possible.