What types of insurance are health insurance?

Health insurance is a kind of insurance that takes the insured's body as the insurance object, so that the expenses or losses incurred by the insured due to illness or accidental injury can be compensated. Health insurance is divided into sickness insurance, medical insurance, disability income loss insurance and nursing insurance. At present, the first two kinds are common in the market.

Health insurance is generally divided into medical insurance and critical illness insurance. Under the new regulations, we have evaluated more than a thousand critical illness insurance products and screened out the best ten critical illness insurance products on the market. New definition of critical illness ranking announced! The first place is it! 》

When purchasing health insurance, sickness insurance should be given priority. Sickness insurance refers to the insurance that can get claims after the agreed disease occurs. Once the insured is diagnosed by the hospital and meets the conditions of disease compensation agreed in the contract, the insurance company will pay the insurance money according to the agreed amount.

Medical insurance mainly includes reimbursement type and subsidy type. Reimbursement means that the reasonable hospitalization expenses of the insured are reimbursed by the insurance company according to a certain proportion (generally about 80%), and the reimbursement amount is limited to the insurance amount. The subsidy contract stipulates that after the insured is hospitalized, he will pay the insurance money according to the daily hospitalization allowance and the accumulated days that can be paid.

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