What is the difference between medical insurance and critical illness insurance?

Life insurance and critical illness insurance are different types of insurance, and the main differences between the two are as follows: First, the protection liability is different. First of all, it mainly covers the liability for death or total disability, while critical illness insurance mainly covers the critical illness agreed in the contract.

Secondly, the scope of coverage is different. Life insurance has a narrower coverage and only covers death or total disability, while critical illness insurance not only covers illness, but also can come with death liability.

In critical illness insurance, once the insured has the agreed illness and meets the claim conditions, he can get a compensation, such as 500,000 yuan. As for the money you get, it's to go to the doctor. Or go out and wave, no one cares.

The million medical insurance requires your husband to be sick and hospitalized, and after social security reimbursement, you usually pay more than 10,000 yuan out of pocket to find an insurance company for reimbursement, with a maximum reimbursement of 100%.

As the name suggests, medical insurance and critical illness insurance are both under the category of health insurance, which can cover various medical expenses such as outpatient**, hospitalization, surgery, etc., faced by a person after illness.

However, there is obviously no equivalence between the two, medical insurance is mainly for outpatient and hospitalization expenses, if the insurance, the insured can apply for reimbursement within the scope of the insured amount, the insurance company in accordance with the terms of the advance to the insured or paid directly by the hospital, that is, how much the insurance company can pay, depends on how much you actually spend. Critical illness insurance, on the other hand, is aimed at critical illness, and if the insured is diagnosed with a critical illness as agreed in the insurance contract by the hospital, the insurance company will pay compensation directly according to the terms, and the amount of compensation may not be equal to the actual cost.

Critical illness insurance is a benefit-based insurance, that is, as long as the insured is diagnosed with the disease agreed in the insurance contract, the insurance company will pay money in accordance with the regulations; Medical insurance is a reimbursement type of insurance, and the policyholder needs to pay the expenses first and then reimburse them when they are hospitalized.

The difference between sickness insurance and critical illness insurance.

Legal analysis: 1. Different coverage coverage: Critical illness insurance is for critical illnesses that can endanger lives and cost a high amount, while medical insurance covers outpatient, hospitalization and large and small diseases, with a relatively wide coverage.

2. Different compensation and insurance standards: Critical illness insurance is paid in a fixed amount, as long as the critical illness within the scope of protection, the insurance company will pay directly in accordance with the terms, and the insurance company will pay 500,000 yuan if the insured amount is 500,000 yuan. Medical insurance pays a certain percentage of the actual medical expenses, for example, if you spend 20,000 yuan to see a doctor, you will pay up to 20,000 yuan.

3. Different insurance periods: Critical illness insurance policyholders can choose the insurance cycle, while the insurance period of medical insurance is generally only one year. For example, if you apply for insurance this year, if you are not hospitalized within one year, then the insurance contract will be terminated, and if you want to continue to be protected, you have to pay again to renew the policy.

Legal basis: Social Insurance Law of the People's Republic of China

Article 28 In line with the basic medical insurance drug list, diagnosis and treatment items, medical service facility standards and medical expenses, emergency and rescue medical expenses, in accordance with the provisions of the State from the basic medical insurance **.

Article 29 The part of the medical expenses of the insured persons that should be paid by the basic medical insurance** shall be directly settled by the social insurance agency and the medical institution and the drug business unit.

The administrative department of social insurance and the administrative department of health shall establish a system for the settlement of medical expenses for medical treatment in other places to facilitate the insured persons to enjoy basic medical insurance benefits.

Article 30 The following medical expenses are not included in the scope of payment of basic medical insurance**

1) It should be paid out of work-related injury insurance**;

2) It shall be borne by a third party;

3) It should be borne by public health;

4) Seeking medical treatment outside the country.

Medical expenses shall be borne by the third party in accordance with the law, and if the third party does not pay or the third party cannot be determined, the basic medical insurance shall pay in advance. After the basic medical insurance** is paid in advance, it has the right to recover from a third party.

Critical illness insurance and medical insurance are quite different and can complement each other.

The main differences between the two are as follows:

1. The payment method is different.

Medical insurance is a compensatory type of insurance. Whether it is due to illness or accident, medical insurance mainly pays for medical expenses covered by the insurance coverage, and within the insurance liability, according to the benefit rules, you will be reimbursed for the medical expenses you have already incurred. Critical illness insurance is a fixed payment type of insurance, regardless of whether medical expenses occur, how much the cost is, etc., the amount of compensation is determined according to the amount of insurance, so it may exceed the ** cost, and the insurance money paid can be discretionary.

2. The duration of the guarantee is different.

The duration of medical insurance is usually one year, and some products can range from a few years to twenty years. Critical illness insurance is available in both term and lifetime options, which can provide stable protection over a longer period of time. The annual premium is fixed, as long as the payment is made on time, and the contract will be terminated after the critical illness is paid.

Even if there is a health condition in the middle of the journey, it will not affect the payment of the second year.

In conclusion, both critical illness insurance and medical insurance have their own unique advantages. It's not enough to just buy medical insurance, or just buy critical illness insurance.

If the budget is very limited, it is recommended to buy a million medical insurance first, the premium is much cheaper than that of critical illness insurance, and then buy critical illness when the budget goes up.

Zhong'an Million Medical Insurance has the characteristics of low premium**, wide coverage and high compensation ratio, which is the first insurance in many people's lives. Born 30 days old to 70 years old can be insured if you meet the conditions, with a maximum insurance amount of 6 million, for example, young people can get a maximum of 6 million hospitalization medical insurance for only a few hundred yuan per year. [If you are interested, click here to find out].

If the budget is sufficient, it is recommended to insure the combination of "critical illness insurance + million medical insurance" in order to provide comprehensive protection for health. One is used to pay for ** expenses, and the insurance money paid by critical illness insurance is used to recover the body, etc. <>

Hello! There are several main differences between medical insurance and critical illness insurance:

1. The scope of protection is different.

Medical insurance mainly provides protection for the insured due to hospitalization and outpatient treatment, while critical illness insurance mainly covers common critical illnesses.

2. The payment method is different.

Medical insurance is basically a reimbursement type, and the medical expenses incurred will be reimbursed according to the content of the contract.

However, most medical insurance has a deductible, and the part that exceeds the deductible needs to be provided with information and invoices to be reimbursed.

Critical illness insurance is basically a fixed payment type, and the corresponding compensation can only be obtained when the conditions for illness or surgery agreed in the contract are met, and the reimbursement of critical illness insurance does not require invoices or data sheets to reimburse.

3. The payment method is different.

Medical insurance is generally paid in a single payment, while there are two ways of critical illness insurance, one is a single payment and the other is a regular payment, and the payment can be flexibly selected for 10 years, 20 years, or 30 years.

4. **It's different.

Medical insurance** is relatively low, while critical illness insurance** is relatively high.

5. The duration of the guarantee is different.

The vast majority of medical insurance products are one-year products, and now there are relatively few medical insurance products that can guarantee renewal, although there are also products with good renewal conditions, but the maximum renewal time is generally only 20 years.

Critical illness insurance has two types of protection periods, one is fixed-term and the other is lifelong, and the protection period can also be selected, 10 years, 20 years or 30 years for life.

The above are a few differences between medical insurance and critical illness insurance, I hope Daddy's will help you!

With the improvement of living standards, people also have certain requirements for their own health. In addition to improving their quality of life, they also buy an insurance policy to protect their health. But for the purchase of insurance, I don't know whether it is better to buy medical insurance or critical illness insurance.

In this regard, I will briefly introduce the difference between critical illness insurance and medical insurance, so that you can easily choose to know more about the difference between critical illness insurance and medical insurance.

The difference between critical illness insurance and medical insurance, don't be stupid and can't tell the difference!

Although critical illness insurance and medical insurance are both health insurance, there is still a big difference between them. We can make a simple distinction by the following aspects. The details are as follows:

1. The payment method is different.

As long as the benefit of critical illness insurance is determined to be a disease covered by the insurance contract, the insurance company can pay the critical illness insurance benefit. Generally, claims are made in advance. Whereas, medical insurance is a post-facto compensatory insurance.

The amount of reimbursement depends on the amount of medical expenses spent, and generally the higher the cost, the larger the proportion of reimbursement, but there will be a maximum reimbursement ceiling.

2. The scope of application is different.

Critical illness insurance is to protect the risks caused by critical illnesses within the scope of the contract, and the compensation of critical illness insurance benefits is only applicable to critical illnesses within the agreed scope. Medical insurance is covered by "reasonable and necessary" medical expenses, but not all ** expenses can be reimbursed.

3. Premium pricing is different.

Critical illness insurance is generally a long-term premium with a fixed premium, so there will be no increase in the renewal payment. However, it is more cost-effective to purchase critical illness insurance as soon as possible, so as to avoid the phenomenon of inverted premiums due to excessive age. Medical insurance, on the other hand, has a coverage period of 1 year, after which the contract is automatically terminated, and the premium may be adjusted according to the previous year's payout.

Therefore, there will be a certain difference in the payment of the second year.

It can be seen that the difference between critical illness insurance and medical insurance is still relatively large. The differences between them include different premium pricing, different payment methods, and different scopes. Therefore, it is best for everyone to choose a health insurance that suits them according to their actual needs.

That's what we know about it. Hope this article of mine can be helpful to you.

Medical insurance covers a bit more broadly, but there are some critical illnesses that are not covered, and critical illness insurance makes up for it.

1. Critical illness insurance: Critical illness insurance is not medical insurance, it belongs to medical insurance, and its essence is to solve the problem of income loss, which is directly related to our income. Medical Insurance:

Medical insurance is only a solution for medical expenses, and other expenses are not included. 2. Different payment standards Critical illness insurance: The compensation standard of critical illness insurance is strictly in accordance with the provisions of the contract, as long as it meets the agreed serious illness, you can get a high amount of claims at one time, and the claims can be freely controlled by us.

Medical Insurance: Medical insurance covers medical treatment and drug use. Whether we were hospitalized for an accident** or a common illness, we can cover our medical expenses with Medicare, which has strict reimbursement rules.

The reimbursement through medical insurance + social security will not exceed the total cost of our **. 3. Different premium pricing methods Critical illness insurance: Generally, long-term payment of critical illness insurance adopts the equilibrium rate pricing method, and generally speaking, the annual payment is the same.

Medical Insurance: Uses natural rates, which are related to the age of the insured. When enrolling, determine the rates for all ages.

Tips: The natural rate is generally applicable to the one-year policy of the policy (because the equilibrium rate is not issued, the insurance company does not know when you will break the payment in the future), and the balance rate is a long-term insurance. Therefore, it cannot be said that critical illness insurance is necessarily expensive and medical insurance is necessarily cheap because the two products use different pricing methods.

It is not objective to compare a natural rate product to a balanced rate product. 4. Different ways to renew critical illness insurance: long-term payment of critical illness insurance at the same time as the contract is determined, it is locked as the duration of protection and annual premium, and will not change due to personal physical condition and medical expense inflation, as long as the payment is made on time, the contract is valid and the protection has always existed.

Commercial medical insurance: Currently, the vast majority of commercial medical insurance does not guarantee renewal, and insurance companies that guarantee renewal will consider their own risks, which will not only be more expensive, but also have higher deductibles. In general, most health insurance plans are subject to subsequent uncertainties, which is also very different from critical illness insurance.

1) Critical illness insurance is a fixed amount of payment, which has nothing to do with the actual cost. Medical insurance pays for medical expenses incurred during the coverage period.

2) Medical insurance is the first to reimburse medical expenses with documents, and you need to pay in advance. Critical illness insurance is that after the hospital is diagnosed, you can get compensation immediately, and there will be no delay due to financial problems**.

3) If the insured or beneficiary unfortunately suffers from a critical illness within the insurance period agreed in the contract, the insurance company will pay compensation according to the provisions of the contract. However, some health insurance plans have a coverage period of one year. Not only will the premium increase with age, but there is also a possibility that the product will be discontinued due to a loss.

Critical illness insurance refers to a kind of insurance in which the insured suffers from a critical illness specified in the insurance contract during the protection period specified in the insurance contract, and the insured or beneficiary submits the diagnosis certificate and relevant supporting materials of the designated hospital to the insurance company, and the insurance company pays the insurance money according to the amount of insurance purchased.

Medical insurance refers to a kind of insurance that is reimbursed by the insurance company within the scope of insurance after the medical expenses are spent on the treatment of jujube and the preparation for illness, and the medical expense documents and relevant supporting materials are submitted to the insurance company, and the insurance company reimburses within the scope of protection, and the reimbursement amount is the amount of the actual expenditure.

1. Social medical insurance****.

Basic medical insurance should be based on revenue and expenditure, income and expenditure balance. The basic medical insurance premiums are mainly paid by the employer; The basic medical insurance premiums paid by the individual employees; interest on basic medical insurance premiums; Late fees for basic medical insurance premiums; Other funds included in the basic medical insurance ** in accordance with the law and other five parts of the composition.

1) Administrative organs shall be arranged by all levels of finance.

2) The public institutions provided by the government shall be arranged by the financial departments at all levels according to the financial subsidies and business income, and other public institutions shall be included in the medical treatment ** extracted from the business income or business income.

3) The enterprise spends on employee welfare.

4) The basic medical insurance premiums for laid-off workers of enterprises who have entered the reemployment service center, including the contributions made by the units and the individual contributions, shall be paid by the reemployment service center on the basis of 60 percent of the average social wage of the workers in the overall planning area in the previous year.

5) The medical insurance premiums of those who are on temporary duty, on long leave, not entering the reemployment service center, or on leave without pay shall be collected and paid by the original unit.

2. How many years of social medical insurance is paid.

Social medical insurance is 25 years for men and 20 years for women. When the insured person reaches the age of 60 for men and 55 years for women, the cumulative number of years of payment of basic medical insurance premiums is not less than 25 years for men and not less than 20 years for women, of which the actual payment of basic medical insurance premiums must be not less than 15 years, and they can enjoy the medical insurance treatment of retirees.