1. Medical insurance
After taking out medical insurance, when the insured falls ill or has an accident, the insurance company needs to compensate the insured with a corresponding proportion of insurance money according to the agreement.
2. Sickness insurance
This kind of health insurance mainly guarantees the serious illness of the insured, and the insured pays the insurance premium in advance. If a serious illness occurs during the insurance period, the insurance company must pay the insurance amount in one lump sum. Usually, this kind of policy covers a large amount.
3. Income security insurance
The premium level of this kind of insurance is low. An insurance in which employees lose their ability to work due to accidental injury or illness and lose or reduce their income, and the insurance company will pay the insurance premium in installments within a certain period of time as agreed.
Health insurance, the Chinese abbreviation of health insurance, refers to the insurance that insurance companies pay insurance money for losses caused by health reasons through sickness insurance, medical insurance, disability income loss insurance and nursing insurance.
Relevant laws include health insurance management measures.
Unlike life insurance, health insurance takes a person's life as the insured object. The insured object can be a person's body, health status, physical accident and the body that needs care after the accident, such as long-term illness insurance, short-term medical insurance and short-term accident insurance! Every insurance company's products are different, but they are roughly the same!
Long-term health insurance refers to the health insurance that the insurance period exceeds one year or the insurance period does not exceed one year, but contains the guarantee renewal clause.
Short-term health insurance refers to health insurance with an insurance period of one year or less and without a guarantee renewal clause.
The guarantee renewal clause refers to the contract that after the expiration of the previous insurance period, if the applicant applies for renewal, the insurance company must continue to underwrite the insurance at the agreed rate and the original clause.
Medical insurance in health insurance claims can be divided into cost compensation medical insurance and fixed payment medical insurance according to the nature of insurance claims.
Cost-compensated medical insurance refers to medical insurance that determines the amount of insurance money according to the actual medical expenses incurred by the insured and the agreed standards.
Fixed payment medical insurance refers to the medical insurance that pays the insurance premium according to the agreed amount.
The payment amount of cost compensation medical insurance shall not exceed the actual medical expenses incurred by the insured.