1, with different definitions: health insurance refers to life insurance in which the insured can get certain compensation when he is ill or unfortunately injured by accident, while life insurance refers to a kind of life insurance in which the insured can get compensation when he dies due to illness or accident.
2. Different insurance responsibilities: In health insurance, medical insurance and critical illness insurance are common, and their insurance responsibilities are health. If the insured pays medical expenses or suffers from a serious illness, the insurance company bears the liability for compensation, and life insurance is life and death. If the insured dies within the guarantee period, the insurance company shall be liable for compensation.
3. Different payment methods: in health insurance, critical illness insurance belongs to fixed payment insurance, medical insurance belongs to expense reimbursement insurance, and life insurance claims are similar to critical illness insurance.
4. Different protection functions: the protection function of health insurance is to protect the health of the insured, relieve the economic pressure caused by diseases, and provide a better medical environment for the insured, while the protection function of life insurance is similar to accident insurance, in order to prevent unexpected accidents and leave some assets for family members.
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