Commercial health insurance is an effective supplement to medical insurance, which can break through the limitation of medical insurance reimbursement, prevent the risk of insufficient medical expenses for serious diseases, and make minor diseases inexpensive and serious diseases not bad.
Medical insurance, that is, medical expense insurance, refers to the insurance that pays the insurance premium based on the agreed medical expenses, that is, the insurance that provides medical expense protection. It is one of the main contents of health insurance, including not only the doctor's medical expenses and operation expenses, but also the expenses of hospitalization, nursing and hospital equipment.
Sickness insurance refers to the insurance with illness as the condition of payment, including general sickness insurance and critical illness insurance. Usually, the insurance amount of this kind of policy is relatively large, and the payment method is generally to pay the insurance amount in one lump sum immediately after the diagnosis of a special disease.
Disability income loss insurance refers to the insurance that pays insurance benefits on the condition that the illness or accidental injury agreed in the insurance contract leads to the loss of labor ability, and provides protection for the insured's income reduction or interruption in a certain period of time.
Nursing insurance refers to the insurance that provides protection for the insured's needs caused by daily living disability according to the insurance contract. Nursing insurance is a health insurance that provides compensation for the cost of nursing services for the insured who need long-term care due to old age, illness or disability. The insurance scope is divided into four levels: medical care, intermediate care, nursing care and home care, but the early long-term care insurance products did not include home care.
Medical accident injury insurance refers to the insurance that provides protection for the insured in the event of medical damage that cannot be attributed to medical institutions and medical personnel according to the insurance contract.
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