First, the differences in payment forms.
1, short-term health insurance:
There are three payment methods for short-term health insurance, one is fixed payment similar to accidental injury insurance; One is the prepaid service in which the insurer directly pays the medical expenses; One is actual compensation, that is, paying according to the actual medical expenses, but this method has a maximum limit.
2. short-term accident insurance:
Short-term accident insurance is a kind of accidental injury insurance, and most accidental injury insurance is a way of implementing fixed payment, which has the nature of payment, that is, the essence of economic assistance.
Second, the differences in security content.
The difference between short-term health insurance and short-term accident insurance is that short-term accident insurance focuses on whether the accident is foreign, while short-term health insurance regards the treatment caused by the disease of the body itself as an insurance accident, which is very different.
On the other hand, short-term health insurance and short-term accident insurance protect accidents at different stages respectively. Short-term health insurance comes first. Assuming hospitalization due to accidental injury, medical insurance benefits will be paid first by short-term health insurance, while disability insurance benefits can only be paid after medical treatment is terminated and disability is determined. Disability and death caused by illness are the responsibility of health insurance, and disability and death caused by accidents are the protection contents of accidental injury insurance.
Third, the difference in reimbursement.
1, short-term health insurance:
Short-term health insurance generally reimburses medical expenses or hospitalization subsidies. It belongs to consumer insurance to protect health.
2. short-term accident insurance:
The coverage of short-term accident insurance covers the reimbursement of unexpected medical expenses or accidental disability (death) when the insured suffers accidental injury.
The above is the difference between short-term health insurance and short-term accident insurance in three aspects. Everyone should read carefully, hoping to help everyone.