What is commercial health insurance?

Commercial health insurance belongs to health insurance. Commercial health insurance refers to the insurance that takes the insured's body as the subject matter to ensure that the insured can get compensation for direct expenses or indirect damage caused by illness or accident. In foreign countries, health insurance and life insurance are operated separately; In China, commercial health insurance is often mixed with life insurance.

Commercial health insurance includes medical accident insurance, sickness insurance, medical insurance, income security insurance and long-term care insurance. Sickness insurance refers to insurance with the occurrence of diseases as the payment condition; Medical insurance refers to insurance with the occurrence of agreed medical treatment as the payment condition.

Income security insurance refers to insurance that pays insurance benefits on the condition that income is interrupted or reduced due to accidental injury or illness; Long-term care insurance refers to insurance that requires care due to accidental injury or illness. Commercial health insurance for short.

Functions of commercial health insurance:

1. For individuals and families: For most people, illness is inevitable. Health insurance can make up for the economic pressure caused by illness;

2. For enterprises and units, commercial health insurance is increasingly becoming a part of the employee welfare management system, which is nothing more than an incentive system;

3. For the country and society: It will contribute to people's stability.