What is health insurance and what is health insurance

Health insurance is an insurance in which the insurer pays insurance benefits when the insured person is unable to perform normal work due to illness, or if the insured is disabled or dies due to illness during the insurance period. While modern society brings abundant material materials to human beings, due to the acceleration of the pace of work, the change of lifestyle, and the aggravation of environmental pollution, various intractable diseases and huge medical expenses can often drag a family across in a very short period of time. As a result, health insurance is gaining traction.

To meet the needs of consumers, various life insurance companies have also launched insurance products with different names, such as Chinese Life's "Corning Term Critical Illness Insurance" covering diseases including heart disease (myocardial infarction), coronary artery bending surgery, stroke, chronic renal failure (uremia), cancer, paralysis, major organ transplantation (referring to heart, lung, liver, pancreas, kidney, and bone marrow transplantation), severe burns, fulminant hepatitis, aortic surgery, etc.

The insurance rate of health insurance is closely related to the age and health status of the insured, and the insurance company often requires the insured to have a physical examination, stipulate the observation period or agree on the deductible, and the underwriting is relatively strict. Therefore, it is most advantageous to buy while you are young and healthy. Waiting until you get older and your health deteriorates before buying is often a disadvantage

It is the type of insurance that can be paid if you get sick. It's actually health insurance.

Health insurance. Mainly when there is a problem with the physical condition of the insured, the insurance company will pay the agreed cash according to the agreement, and the insurance contract will be terminated. It is a complement to the current medical co-ordination.

By the way, to talk about the question of who insures the insurance company, the current insurance company is insured, and the state insures the insurance company. They are monitored by the People's Bank of China, and a certain amount of reserve money is paid to the People's Bank of China, and when something goes wrong, the People's Bank of China will assign the reserve money and the unexpired insurance policies to other life insurance companies to continue to bear responsibility. The insured will not suffer losses.

It is a risky investment. There are definitely risks. It's just less risky than **.

Health insurance is a type of personal insurance.

It mainly includes medical insurance, sickness insurance, disability income loss insurance, nursing care insurance, and medical accident insurance. Life insurance in which the insurer pays the insurance money to the insured when the insured suffers from physical illness. Health insurance usually covers medical expenses, loss of income, funeral expenses, and living expenses for survivors.

This type of insurance is mostly combined with accident insurance, and some are combined with life insurance. When applying for health insurance, the insurer usually stipulates a trial period, and the insurer is liable for compensation for the loss caused by the illness of the insured after this period.

The factors that determine the health insurance premium rate mainly include: disease incidence, disability incidence, duration of illness, interest rate, expense rate, failure rate, mortality rate, etc. Other factors such as the way you do business, your underwriting habits, the principles of claims and your company's main goals can also affect health insurance rates.

According to the relevant laws of China, health insurance refers to the insurance that the insurance company pays the insurance money to the insured due to health reasons or the occurrence of medical behavior, mainly including medical insurance, illness insurance, disability income loss insurance, nursing insurance and medical accident insurance. Measures for the Administration of Health Insurance Article 2 The term "health insurance" in these measures refers to the insurance paid by the insurance company to the insured for health reasons or the occurrence of medical acts, mainly including medical insurance, illness insurance, loss of disability income insurance, nursing insurance and medical accident insurance. The term "medical insurance" in these measures refers to the insurance that provides protection for the medical treatment and protection of the insured in accordance with the insurance contract.

The term "sickness insurance" in these measures refers to the insurance that provides protection for the insured in the event of the occurrence of the illness agreed in the insurance contract. The term "disability income loss insurance" in these measures refers to the insurance that provides protection for the loss or interruption of the insured's income within a certain period of time with the loss of working ability caused by illness or accidental injury as agreed in the insurance contract. The term "nursing care insurance" as used in these measures refers to the insurance that provides protection for the insured's nursing needs caused by the impairment of daily living ability in accordance with the insurance contract.

The term "medical accident insurance" in these measures refers to the insurance that provides protection for the insured in the event of medical damage that cannot be attributed to the responsibility of medical institutions and medical personnel in accordance with the insurance contract. Article 3 Health insurance is an important part of the national multi-level medical security system, adhere to the protection attributes of health insurance, encourage insurance companies to follow the principle of prudence and prudence, constantly enrich health insurance products, improve health insurance services, expand health insurance coverage, and reduce health insurance and operating costs through effective management and market competition, and improve the level of protection.

Health insurance is a check-up at a designated hospital.

As the name suggests, individual health insurance means that the insured, as a single natural person, is insured for health in a certain insurance cycle. The insurance company will do an inquisitive investigation of the individual's health status and family medical history before deciding whether to cover the policy.

Individual health insurance includes medical insurance, sickness insurance, income protection insurance, and long-term care insurance.

Individual health insurance requires that the policyholder and the insured are the same person, and when the insured suffers losses due to unpredictable accidents, he or she must contact the insurance company within the specified time and the insurance company will make corresponding insurance loss compensation according to the insurance contract.

Health corresponds to illness, so health insurance is an insurance protection project that provides direct or indirect economic compensation to the insured when the body suffers from disease or injury, and its establishment is to avoid the economic risks brought by illness to families or individuals.

Health insurance includes medical insurance, sickness insurance, income protection insurance, and long-term care insurance.

How to choose health insurance, in fact, depends on your actual needs, different types of insurance corresponding to different insurance content, protection methods, compensation amounts have different regulations. Before applying for health insurance, you need to make a health notice, and you need to tell the truth about your known physical condition. Once the insurance company finds that the insured Huimo Lu has concealed the behavior, it may terminate the contract and will not give the corresponding insurance compensation.

You need to pay attention to this!

Health insurance (referred to as health insurance) is mainly divided into medical insurance, sickness insurance, disability income loss insurance, nursing care insurance, and medical accident insurance. Next, the senior sister will give you a brief introduction to medical insurance and illness insurance as examples.

Insurance] which is good, how to buy a good deal, hand in hand to teach you to avoid these pitfalls of insurance.

Health insurance can be divided into sickness insurance and medical insurance according to different insurance responsibilities, but health insurance is not everything can be claimed out of insurance, and the diseases referred to in health insurance must meet the following three conditions: it must be caused by obvious non-external reasons; Must be caused by a non-congenital cause; It must be due to non-permanent causes.

Medical insurance is insurance that provides coverage for medical expenses, which mainly covers expenses incurred by the insured person in case of illness, such as surgery, hospitalization, and medical expenses.

The most common medical insurance is the million-dollar medical insurance. The main advantages of million medical insurance are unlimited social security drugs (depending on the product), unlimited **, unlimited ** means; As long as the reasonable medical expenses incurred in hospitalization are reimbursed, but most million medical insurance plans have a deductible of 10,000 yuan, which is not applicable to minor illnesses such as daily colds.

Seeing this, if you want to buy millions of medical insurance, don't miss the following article:

Ultra-complete! Comparison table of popular medical insurance in China.

Sickness insurance refers to insurance that takes illness as the condition for the payment of insurance benefits, under normal circumstances, the insured amount of this kind of policy will be relatively large, and most of the payment methods are a lump sum payment after the diagnosis of a special disease, such as critical illness insurance.

1) Check whether the coverage for mild to moderate and severe illness is complete;

2) whether the number of payouts is multiple or single;

3) Whether the critical illness benefit is grouped, etc.

After reading so much, if there are still friends who have questions about critical illness insurance, the following article must be read:

Which is the best critical illness insurance, how to buy it cost-effectively, and teach you to avoid these pitfalls of insurance.

It refers to the insurance against the physical illness, whether it is mild or severe. all become health insurance.