Health insurance compensation

Generally speaking, the insurance liability of health insurance is injury risk. Health insurance is an insurance that takes the insured's body as the insurance object, so that the insured can get compensation for the expenses or losses caused by illness or accident. According to insurance liability, health insurance is divided into sickness insurance, medical insurance and income security insurance. The diseases referred to in health insurance must meet the following three conditions: first, they must be caused by obvious non-external reasons; Second, it must be caused by non-congenital reasons; Third, it must be caused by non-permanent reasons. Health insurance can be divided into three types according to payment methods: 1. Payment type, when the insured suffers from the diseases agreed in the insurance contract or the circumstances agreed in the contract, the insurance company pays the insurance money to the insured according to the contract. The amount of insurance money is fixed. Once diagnosed, the insurance company will pay the insurance money in one lump sum according to the insurance amount specified in the contract. The critical illness insurance of all insurance companies belongs to the payment type. Two. Reimbursement type: the insurance company reimburses the medical expenses actually paid by the insured according to the proportion agreed in the insurance contract. Such as hospitalization medical insurance and accidental injury medical insurance. It belongs to the reimbursement type. Three, subsidies, insurance companies in accordance with the insured's actual hospitalization days and surgical items to pay insurance money. The insurance premium is generally calculated on a daily basis, and the total amount of insurance premium varies according to the number of days of hospitalization and the different surgical items. Such as hospitalization medical subsidy insurance and hospitalization peace of mind insurance. It belongs to the subsidy type.