1, so what is health insurance? What is the real definition of health insurance?
Health insurance is an insurance that takes the health status of the insured as the basic starting point and compensates the medical expenses of the insured.
2. What's the difference between health insurance and ordinary life insurance? What are the characteristics of commercial health insurance?
Health insurance is based on the incidence of diseases and accidents. The insured accident of health insurance refers to illness and accidental injury, not death, unlike other life insurance, which uses life table as the basis to determine the rate. Therefore, the rate of commercial health insurance is empirical rate, and non-general life insurance has a fixed life table.
The insured accidents of health insurance refer to diseases, accidental injuries, etc. There are many kinds of human diseases, and there are many kinds of health insurance, which can be combined for various diseases and age levels. Every kind of insurance has a certain customer base. If there are many types of insurance, more customers will be won, especially those with low incidence. However, once it happens, most families can't afford the insurance for their medical expenses, which is characterized by low rates and high security. General life insurance is only a combination of survival and death benefits, and there are few types of insurance.
3. What kinds of commercial health insurance are there?
Commercial health insurance includes critical illness insurance, hospitalization expense reimbursement insurance and hospitalization subsidy insurance.
In critical illness insurance, the condition of payment is the occurrence of disease. Under normal circumstances, as long as the insured is diagnosed with a certain disease agreed in the contract, no matter how much medical expenses occur, he can get compensation according to the amount agreed in the insurance contract.
The reimbursement insurance for hospitalization expenses is based on the hospitalization medical expenses caused by accidents or diseases, and is reimbursed according to the proportion agreed in the insurance contract. This kind of insurance is a supplement to social insurance and other commercial insurance. When the insured claims after hospitalization, the insured needs to provide the corresponding expense invoice.
Hospitalization subsidy insurance is a kind of income security insurance in which the insured is hospitalized due to accidents or diseases, and the insurance company pays insurance subsidies according to the standards agreed in the contract. It has nothing to do with commercial medical insurance such as social insurance, and it is also paid after hospitalization.
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