1. Does commercial health insurance include accident insurance?
Insurance means that the insured pays the insurance premium to the insurance company according to the contract, and the insurance company is liable for the property losses caused by the possible accidents agreed in the contract. Insurance is generally divided into personal insurance and property insurance, among which personal insurance is divided into commercial health insurance, commercial accident insurance, commercial life insurance and commercial annuity insurance. 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
Therefore, commercial health insurance does not include accident insurance products. Insurers should pay attention to insurance classification when planning insurance products, and plan insurance methods reasonably according to the protection needs. Because accidental injuries do not fall within the scope of commercial health insurance, they should be purchased separately to provide accidents and health protection for themselves and solve worries.
Two. What types of insurance does commercial health insurance specifically include?
1, medical insurance
It refers to the insurance with agreed medical expenses as the condition of paying insurance benefits, that is, the insurance that provides medical expenses protection. This kind of insurance covers all kinds of expenses incurred by patients in hospital treatment. Common medical insurance includes hospitalization insurance, millions of medical insurance and general medical insurance. When planning medical insurance products, we should pay attention to the setting of reimbursement ratio and deductible. Generally speaking, it is recommended to give priority to planning insurance products with 0 deductible and 100% reimbursement, which can further transfer the economic burden. What kind of medical insurance are there? Which is worth buying? Look at the hottest 10 insurance of insurance companies this year: the latest in 2020! Top ten insurance companies' hot medical insurance list
2. Sickness insurance
Critical illness insurance is the most common disease insurance in China at present. After the insured suffers from a serious illness, the cost of treatment, the cost of later rehabilitation and the loss of economic income are all expensive. Therefore, when planning sickness insurance, the insured amount is very important. It is generally recommended that the insured amount be not less than 300,000 yuan, so that the economic burden can be effectively passed on after the accident. In addition, if economic conditions permit, it is recommended to pay lifelong critical illness insurance in installments.
3. Income security insurance
Refers to the insurance on the condition that income is reduced or interrupted due to accidental injury or illness. The main purpose of this kind of insurance is to provide economic guarantee for the loss or reduction of income caused by the insured's inability to work, but it does not bear the medical expenses incurred by the insured due to illness or accidental injury. Such as the common hospitalization allowance insurance.
4. Long-term care insurance
The insured who needs long-term care due to old age, illness or disability provides health insurance to compensate for the cost of nursing services. The payment period of this kind of insurance products has several different choices, such as one year, several years, life, etc., and there are also many exemption periods such as 20 days, 30 days, 60 days and 90 days. The longer the exemption period, the lower the premium, and such insurance products are generally guaranteed to be renewed.
There are many kinds of commercial health insurance, but it does not include accident protection. So, does commercial health insurance include accident insurance? The answer is no. It generally covers medical insurance, sickness insurance, income insurance and long-term care insurance. The coverage content of different types of insurance is different, so users need to make reasonable plans according to their own protection needs, in case of emergency, and fully protect their healthy life.