What is the meaning and basic origin of health insurance?

Health insurance refers to the insurance in which the insured person's insurance benefit is borne by the insurance company when the insured person suffers from illness. At present, there are many types of health insurance on the market, which are mainly divided into critical illness insurance and medical insurance. So what's the difference between the two?

If you are in a hurry, you can click here:What is the difference between critical illness insurance and medical insurance? Will there be a conflict when making a claim?

1. Critical illness insurance

Critical illness insurance is essentially "loss of income insurance", and it is still a payout type. Once we suffer from a critical illness, the insurance company will directly compensate, we can not only use this money to make up for the loss, but also use it for various expenses of the family, temporarily relieving the financial pressure on the family.

Nowadays, there are a lot of critical illness insurance products on the market, in order to prevent everyone from stepping on the pit, I have also selected a few good products, you can also refer to them:"Inventory of the Top 10 Popular Critical Illness Insurances Worth Buying! 》

2. Medical insurance

Due to the limitations of medical insurance, we need to purchase medical insurance as a supplement. If funds permit, you can buy millions of medical insurance, which not only has a low premium, but also a high amount of insurance and complete protection. Generally, a few hundred dollars can be solved.

If you don't know how to choose this medical insurance? Considerate, I'm ready for a long time:"Freshly baked:

How much do you know about the top 10 million medical insurance rankings? 》

But one thing to say, we want to buy health insurance that matches our needs, but we can't be careless

1.Pay attention to health notices

We can only apply for insurance if we meet the content of the health notice, cover up the disease or treat the health notice casually, even if the insurance company does not compensate for the insurance.

2.Pay attention to the length of the waiting period

Health insurance products have a waiting period, and it is generally impossible for the insured to obtain compensation from the insurance company if the contracted illness occurs during the waiting period. Nowadays, the waiting period for most products on the market is 90-180 days, and the relatively good critical illness insurance is generally 90 days, so we should pay more attention to the waiting period.

All in all, buying health insurance can alleviate the financial impact of illness, and if your budget allows, it's the right thing to buy yourself health insurance as soon as possible. Hope!

Meaning of health insurance Health insurance is the Chinese abbreviation of health insurance, which refers to the insurance company that pays insurance benefits for losses caused by health reasons through illness insurance, medical insurance, disability income loss insurance and nursing care insurance. For more information, please refer to Health Insurance. Origin of Health Insurance Insurance is divided into two categories: property insurance and life insurance.

Health insurance is an independent type of insurance that branches off from life insurance. Details of health insurance Different from life insurance, which takes the life of a person as the insured object, health insurance is more detailed, and the insured object can be the person's body, health status, physical accident and the body that needs to be cared for after an accident, etc., such as long-term illness insurance, short-term medical insurance, short-term accident insurance! The products are different for each insurance company, but they are roughly the same!!

Long-term health insurance refers to health insurance with an insurance period of more than one year or an insurance period of no more than one year but with a renewal clause. Short-term health insurance refers to health insurance with a coverage period of one year or less and without a renewal clause. The guaranteed renewal clause refers to the contract that after the expiration of the previous insurance period, the policyholder submits an application for renewal, and the insurance company must continue to underwrite the insurance in accordance with the agreed rate and the original terms.

In the health insurance claim, medical insurance can be divided into expense compensation medical insurance and fixed payment medical insurance according to the nature of insurance payment. Expense compensation medical insurance refers to medical insurance that determines the amount of insurance benefits according to the agreed standard according to the actual medical expenses incurred by the insured. Fixed-rate medical insurance refers to medical insurance that pays insurance premiums according to an agreed amount.

The amount paid by the medical insurance shall not exceed the amount of medical expenses actually incurred by the insured. How health insurance is paid The payment of health insurance benefits usually includes two parts: reimbursement of the insured person's living expenses when the insured person is unable to work due to short-term illness and medical services provided to the insured person. There are three ways to provide health care:

direct the cost to the provider of health care services; The sick insured pays the medical expenses in advance, and then the insurance institution compensates for the medical expenses; Health care services are provided directly by insurance institutions or medical facilities set up by **. The ** of health insurance is generally the insurance premium paid by the insured and the enterprise where he works and the ** financial subsidy. Premiums can be paid from the general tax or by a separate health insurance tax.

The current development trend is that the proportion of the subsidy part is increasing. The level of health insurance benefits varies from country to country, and different groups of people are treated differently within the same country. Some fully reimburse medical expenses; Some outpatient expenses are not compensated, only inpatient expenses are compensated; Some have specific provisions on the amount of compensation for drug expenses and various service items.

Typically, a small amount of money is paid by the patient.

Health insurance, the Chinese abbreviation of health insurance, refers to the insurance company through illness insurance, medical insurance, disability income loss insurance and nursing care insurance to pay insurance benefits for losses caused by health reasons.

Main origins. Insurance is divided into two categories: property insurance and life insurance. Health insurance is an independent type of insurance that branches out from life insurance.

There is a wealth of insurance information and high-quality insurance products.

1. The significance of health insurance.

Insurance can play a role in risk management.

The main thing is to allow yourself to prevent before the danger, rescue in the danger, and compensate after the accident. Also, buying insurance is not about spending, it's about moving money from your left pocket to your right pocket. It's not about making money, it's about reducing accident and illness losses and passing on risks.

Second, the role of health insurance.

In addition to passing on the risk of disease, insurance can also provide for the elderly, although raising children to prevent old age is the traditional pension idea of the Chinese, but the times have changed. With the price of housing **, people are already anxious to repay loans and living expenses, why should we increase the burden on the next generation. Therefore, if you want to live with dignity when you are old, the insurance can at least guarantee us a **, so that we can receive a pension fee every month.

In addition, with a policy, you have a commitment to supervise the operation of the insurance company, a commitment to honor the covenant of the insurance company, a commitment to help each other among all policyholders, and a commitment to the insurance company's lifelong professional service.

Extended Information] Critical illness insurance refers to the specific critical illness, such as malignant tumors, handled by insurance companies.

Myocardial infarction, cerebral hemorrhage.

When the insured suffers from the above-mentioned diseases, the insurance company will provide appropriate compensation for the medical expenses spent.

General medical insurance.

It refers to the insurance that takes the occurrence of the medical treatment agreed in the insurance contract as the condition for the payment of insurance benefits, and provides protection for the medical expenses of the insured during the period of diagnosis and treatment. The scope of medical insurance is very wide, and medical expenses are generally differentiated according to the characteristics of their medical services, mainly including doctors' outpatient expenses, medicine expenses, hospitalization expenses, nursing expenses, hospital miscellaneous expenses, surgery costs, examination costs, etc.

Income protection insurance refers to insurance that is subject to the interruption or reduction of income due to accidental injury or illness. That is, when the insured loses or reduces his or her working ability due to accidental injury or illness, the insurance company compensates him for the loss of income according to the agreed standard.

Long-term care insurance refers to the insurance that provides protection for the insured's nursing expenses on the condition of paying insurance benefits due to the nursing needs caused by the impairment of daily living ability as agreed in the insurance contract.

The subject matter of insurance is the object to be protected in the insurance, which can be property or person. The types of insurance can be divided into property insurance and life insurance according to different protection objects. Property Insurance:

Property damage insurance, which takes tangible property as the subject matter, such as plant, machinery and equipment, furniture, etc.; Liability insurance, which takes intangible property as the subject matter, such as employer's liability insurance, public liability insurance, product liability insurance, etc.; Credit insurance, with intangible property as the subject matter, commercial credit insurance, export credit insurance, contract guarantee insurance, etc. Life insurance: life insurance, with the life span of the person as the subject matter, and the survival or death of the insured as the condition for the payment of insurance benefits; Health insurance, which takes the insured's body as the subject matter, and the insured is compensated for the expenses or loss of income incurred when the insured is injured due to illness or accident, such as medical insurance, sickness insurance, disability income loss insurance, nursing care insurance, etc.; Accident insurance takes the body of the insured as the subject matter, and pays the insurance benefit to the death or disability of the insured caused by accidental injury.

Therefore, different insurance targets will have different types of insurance, and their roles are also different.

In health insurance, the subject matter of insurance is the physical health of the insured. If the insured body has a condition, as long as the doctor's diagnosis is issued and it is within the scope of the claim, the insurance company will immediately pay in cash, and there is no need to ask others, so that we have dignity when we are sick, this is insurance.

Health insurance, also known as sickness insurance, refers to a kind of insurance in which the insurance company pays the insurance money to the insured when the insured suffers from illness. Health insurance payouts typically cover medical expenses, loss of income, and more.

In order to prevent insurance fraud, insurance companies usually stipulate a trial period, that is, the waiting period of insurance, when underwriting.

The insurance company is liable for damages caused by illness that occurs after this period of time.

There must be three conditions that constitute a disease under health insurance::

First, it must be due to apparently non-external causes.

Second, it must be caused by non-congenital causes.

Third, it must be due to non-long-term reasons.

In addition, the duration of health insurance is usually short-term. It is usually a short-term contract with a one-year term. Yan Meng said that the informed companion and the insured of health insurance are the same person, and the principle of compensation is also applied to the payment of insurance money.

Test your anti-risk index, experts will interpret it for you for free!

In fact, health insurance is not a single type of insurance, it includes medical insurance, sickness insurance, nursing care insurance, and disability income loss insurance.

What you often see may be the critical illness insurance of Mu Zheng in medical insurance and illness insurance. If you have a sufficient budget, it is recommended to buy both critical illness insurance and medical insurance.

For those who don't know the reason, you can take a look at this article: In-depth analysis: Which one needs to be bought more quickly, million medical care or critical illness insurance?

First of all, let's look at what is the meaning of the subject matter of insurance. The subject of insurance is also called the object of insurance, the item of insurance or the object of insurance protection.

We can simply understand that what does an insurance policy protect, so what is its insurance subject?

For example, the subject of car insurance is the motor vehicle listed in the policy, the subject of property insurance is the property jointly agreed between the policyholder and the insurer, the subject of liability insurance is a certain tort liability of the insured, the subject of health insurance is human health, and the subject of accident insurance is human safety.

Then it should be noted here that the subject matter of insurance is not the same as the insured, because the insured is a physical natural person or legal person, and the subject matter of insurance is sometimes a virtual thing, such as liability.

Test your anti-risk index, experts will interpret it for you for free!