What are the classification and characteristics of health insurance?

Health insurance is divided into four categories, one is what we often call critical illness insurance. The second is medical insurance. The third is long-term care insurance, and the fourth is income disability loss insurance.

Critical illness insurance is defined as critical illness insurance when the disease will seriously endanger people's lives. For example, we often say that the core tumors are cancer, uremia and kidney transplantation, all of which are called major diseases. Critical illness insurance is the principle of compensation. It is based on different surgical or physiological conditions and confirmed diseases to determine the payment of an insurance.

Medical insurance is the insurance that actually produces medical behavior. No matter because of accident or disease, medical behavior should occur in the hospital. You can apply to the insurance company for reimbursement of medical insurance with the invoice. Then there are millions of medical insurance, terminal medical insurance and general minor medical insurance: minor medical insurance can be divided into bundled and unbound medical insurance. And medical treatment for special diseases. For example, our anti-cancer medical care and high-end medical care.

Long-term care insurance refers to insurance that loses basic living ability and has long-term care needs. However, there are not many such products on the market at present.

Private income loss insurance refers to the economic loss caused by the inability to work due to accidents or diseases. Insurance companies pay monthly insurance premiums, and there are not many insurance products on the market at present.

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