Know what health insurance is.

1. Definition of health insurance Health insurance is an insurance that pays insurance benefits on the condition that the insured suffers from medical expenses and income losses due to illness. In commercial insurance, insurance companies rarely operate health insurance alone, but often combine health insurance with life insurance and accidental injury insurance as an additional insurance. Health insurance is mainly divided into hospitalization insurance and critical illness insurance. 2. Characteristics of health insurance Compared with life insurance, health insurance has the following characteristics: First, the underwriting conditions of health insurance are more stringent. The reason is that there are many factors affecting health, among which disease is the main factor affecting health insurance. Therefore, insurance companies often make strict assessments based on the medical records, occupations, living environment and lifestyle of the insured. Secondly, the payment conditions of health insurance are different. When an insurance accident occurs in health insurance, it is a reasonable and necessary expense; The insurance company will pay the insurance premium. This mainly includes outpatient expenses, medical expenses, hospitalization expenses, nursing expenses and handling fees. However, this kind of insurance for medical expenses often stipulates a maximum insured amount and a minimum deductible within a certain range. 3. Medical expenses insurance (1) Definition of medical expenses insurance: Medical expenses insurance is usually called medical insurance, which refers to insurance that provides medical expenses protection and is one of the main contents of health insurance. Medical expenses mainly include doctor's outpatient expenses, medicine expenses, hospitalization expenses, nursing expenses, hospitalization miscellaneous expenses, operation expenses, various examination expenses, etc. The cost of different health insurance products is generally one or a combination of several items. The function of medical insurance is to get financial help when the insured has large medical expenses. Small medical expenses paid for general diseases can be regarded as daily living expenses. In real life, there are often social medical insurance systems provided by the social security department of the government, which often cooperate with the commercial medical insurance discussed here to serve people to bear the risk of medical expenses. (2) Common types of medical insurance: The common types of medical insurance provided by insurance companies include general medical insurance, hospitalization insurance, surgery insurance and special disease insurance, hospitalization allowance insurance and comprehensive medical insurance. General medical insurance: providing the insured with general medical expenses related to the treatment of diseases, mainly including outpatient expenses, medical expenses, examination expenses, etc. This kind of insurance has low premium cost and is more suitable for the general public. Because it is difficult to control the expenditure of medical expenses and examination expenses, such policies generally have the provisions of deductible and cost sharing. The insurer pays a certain percentage of the above deductible, and the insurance fee needs to be adjusted year by year according to the situation. When the accumulated expenses of each disease exceed the insured amount, the insurer is no longer responsible. Hospitalization insurance: Because hospitalization expenses are often high, hospitalization expenses are regarded as a separate insurance. The expenses of hospitalization insurance mainly include daily hospitalization expenses (bed fees), hospital equipment use fees, operation fees and medical expenses. The length of hospitalization will directly affect its cost. Therefore, the insured amount of this kind of insurance should be determined according to the average hospitalization expenses of patients. In order to control unnecessary long-term hospitalization, hospitalization insurance generally stipulates that the insurer only bears a certain proportion of the total cost, not all. Surgery insurance: This insurance covers all expenses incurred by patients due to necessary surgery. Special disease insurance: some special diseases often bring catastrophic expenses to patients, which ordinary families can't afford, such as cancer and heart disease. Therefore, people usually require that the insurance coverage of such policies be relatively large to cover various expenses arising from special diseases. The major diseases that provide protection for the insured can be single, such as malignant tumor, or even part of it; It can also be multiple items, listing several major diseases one by one, such as malignant tumor, myocardial infarction, uremia, transplantation of important organs, quadriplegia, stroke, coronary artery bypass grafting, etc. Comprehensive medical insurance: it is a comprehensive medical expense insurance provided by the insurer for the insured, and its cost range includes all expenses such as medical treatment, hospitalization and surgery. The premium of this kind of policy is higher, and generally a lower deductible and an appropriate sharing ratio will be determined.