1. Medical insurance: refers to the insurance in which medical expenses are agreed by both parties as the condition for payment of insurance benefits. When the insured falls ill or has an accident, the insurance company must compensate the insured with a corresponding proportion of insurance money according to the agreement. The coverage includes: medical expenses, hospitalization expenses, operation expenses, medical equipment expenses, nursing expenses, etc.
2. Sickness insurance: This kind of health insurance mainly protects the serious illness of the insured, and the insured pays the insurance premium in advance. If a serious illness occurs during the insurance period, the insurance company must pay the insurance amount in one lump sum. Usually, the insurance amount of such policies is relatively large.
3. Disability income loss insurance: refers to an insurance in which the insured's income is lost or reduced due to accidental injury or illness, and the insurance company must pay the insurance premium in installments within a certain period of time as agreed.
4. Nursing insurance: refers to an insurance that the insurance company provides nursing guarantee and economic compensation when the insured loses the ability of daily living or is sick in old age. The insurance scope is divided into four levels: medical care, intermediate care, nursing and home care.