Is health insurance life insurance?

Health insurance is not life insurance. Life insurance mainly protects the liability for death or total disability, while health insurance mainly protects the health of the insured. Secondly, life insurance pays insurance benefits according to the death/total disability of the insured, while health insurance mainly reduces the economic losses caused by the insured due to health reasons such as diseases.

If you have any insurance knowledge you want to know, you can read this article by Senior Sister:

Super full! Everything you want to know about insurance is here.

Then, senior sister will introduce you, what is the difference between health insurance and life insurance? Not much nonsense, just dry goods!

Life insurance is a kind of life insurance with the life of the insured as the subject matter and the life and death of the insured as the payment condition. Different from other insurances, life insurance transfers the risks brought by the insured's survival or death.

Health insurance is also a kind of life insurance, but it only takes the insured's body as the insurance object, so that the insured can get compensation for the expenses and losses caused by illness or accident.

According to insurance liability, health insurance can be divided into sickness insurance, medical insurance, disability income loss insurance, nursing insurance and medical accident insurance.

If you have a small partner who has insured health insurance recently, you must carefully read this article by Senior Sister:

Is it necessary to buy health insurance? These routines must be paid attention to!

There are many risk factors in health insurance, so health insurance will be much stricter than life insurance in health notification or underwriting.

Everyone should also pay attention to the fact that the health information in health insurance is very important to us, and we should follow the principle of "answering questions and answering questions", otherwise it will easily affect the subsequent claims.

So what are the specific precautions when we apply for health insurance or life insurance? Senior tells you:

Which kind of insurance is better and how to buy it is more cost-effective, and teach you to avoid these pits of insurance.

Hope to adopt

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