What is the difference between health insurance and critical illness insurance? Which is better?

Health insurance refers to all insurances that cover physical health, including prepaid critical illness insurance and illness medical insurance.

As for what kind of insurance is good, the functions of various types of insurance are different. We have different situations and different needs. For example, Zhang San's family is still under the poverty line, and when buying appliances, they must first buy a rice cooker that is satisfied with eating.

After learning skills, you can continue to work hard to make money, and when the economic conditions are better, you can buy a TV that meets your spiritual needs. In a few years, the economic conditions will be better, and you will be able to buy home appliances such as air conditioners and washing machines to enjoy life.

Therefore, insurance is also a truth. Depending on your own conditions, you can make different plans, what type of insurance to buy first, and what type to buy later. If you buy it all, the economic situation is better, and you can buy it again to increase your protection.

If you want to know more about insurance, please feel free to send me a private message.

Critical illness insurance is a type of health insurance, which is divided into: critical illness, medical, accident, and life insurance.

There are different types of critical illness insurance, return, consumption, single claim, multiple claims, grouped and not grouped. Before I can recommend you, I need to know your age, physical condition (have you had any previous medical conditions?). ), family structure, annual income, do you have any requirements for the insurance company?

Ever know what products you're interested in? Have you purchased critical illness insurance in the past and how much is the sum insured?

The recommended product is similar to a doctor's prescription, you need to know the symptoms (what are the risks), and whether you have allergies (what are your preferences?). ) and so on, in order to prescribe the drug according to the symptoms and avoid allergy symptoms (provide a plan reference). If necessary, we can have a private chat in detail.

Provide a customized plan according to your needs, which can provide a comparison of insurance products in the whole market, so as to choose the best and most suitable products, which can help you save time, effort and money

Of course, the difference between the two is very big, so you should definitely take a good look at the details.

Relationships included! Health insurance is the 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. There are four types of health insurance: medical insurance, sickness insurance, income protection insurance, and long-term care insurance, among which sickness insurance includes critical illness insurance, that is, critical illness insurance.

Hello, health insurance and critical illness insurance are not actually parallel types of insurance, health insurance includes critical illness insurance, medical insurance, cancer prevention insurance, nursing insurance, etc., critical illness insurance is only a branch of health insurance.

If you have concerns about health, it is recommended to buy critical illness insurance + medical insurance together.

Medical insurance covers medical reimbursement during hospitalization.

Critical illness insurance solves the hidden expenses caused during the critical illness period, when the active income is interrupted, such as family living expenses, children's education expenses, parental support, family debts, etc.

If you have sufficient passive income, you don't need to buy critical illness insurance.

I'm Wang Jian, an insurance broker, and I hope my answer can help you.

Warning the subject, don't be fooled by the business staff.

Insurance is only the right one, not the best.

Health insurance is for the purpose of people's health, and health insurance pays for medical expenses, how much does the medical expenses cost, and the insurance company pays a certain percentage of the medical expenses according to the policy. For example, if you buy 100,000 yuan of health insurance, and the medical expenses are 200,000 yuan, the insurance company needs to pay 100,000 yuan of health insurance coverage, and the contract is terminated.

Critical illness insurance can generally be regarded as diagnosis and payment. For example, if you buy 100,000 yuan of critical illness insurance, and now the hospital is diagnosed with a critical illness as agreed in the insurance contract, and there is a diagnosis certificate, the insurance company will pay 100,000 yuan.

This is the easiest way to tell the difference. The above is the most optimal ratio, the actual amount of compensation may vary, please consult a reliable salesman.

Health insurance covers: critical illness insurance, medical insurance.

Critical illness insurance: The sum insured can be paid in a lump sum after diagnosis, which has nothing to do with whether it is **, and is to make up for the inability to continue working due to illness (can be used as **nutrition expenses and income loss expenses.)

Medical insurance is given to the hospital to cover the medical expenses incurred during hospitalization and is used for reimbursement (to make up for the lack of social medical insurance).

Summary: Planning for both at the same time is a comprehensive health guarantee.

Health insurance is critical illness insurance.

Nowadays, people's lives and insurance have long been closely related, and many people will buy insurance for themselves and their families, but do you really know the difference between health insurance and critical illness insurance? What are the good critical illness critical illness insurance recommendations, I just sorted out the relevant content, I hope it will be helpful to you: the top ten insurance companies are "worth buying" popular critical illness and critical illness insurance inventory!

1. Definition of health insurance

Health insurance, also known as health insurance, refers to an insurance company that pays insurance money for the property damage caused by the policyholder's health due to physical health reasons, etc., through the use of illness insurance, medical insurance, disability income loss insurance and nursing care insurance to compensate for a certain extent. Which insurance company is strong, I just sorted out the relevant content, I hope it will be helpful to you: the latest list!

Ranking of the top 10 insurance companies in the country.

II. Definition of Critical Illness Insurance

Critical illness insurance, also known as major damage insurance, refers to an insurance company that pays compensation according to the insurance contract signed with the policyholder when there is a major illness in the health of the insured after purchasing the critical illness insurance, such as malignant tumor, myocardial infarction, cerebral hemorrhage, etc., in the health of the policyholder.

3. The difference and relationship between health insurance and critical illness insurance

The scope of health insurance is very broad, it can be said that health insurance is a major category of insurance, which not only covers serious illness and critical illness insurance, but also includes medical insurance, medical accident insurance, illness insurance and so on. In other words, critical illness insurance is an important part of health insurance, and in fact, health insurance and critical illness insurance are the relationship between inclusion and inclusion. Therefore, it is very appropriate to use companies and departments to compare the relationship between health insurance and critical illness insurance.

4. Advantages of health insurance and critical illness insurance

The cost of a major illness can range from hundreds of thousands to hundreds of thousands, which means that if a person is diagnosed with a major illness, once the condition is aggravated, the consequences will be unimaginable, and the entire family behind the patient will have to bear very huge financial pressure. At this time, the advantages of insuring critical illness insurance are reflected, the role of critical illness insurance is to make up for the economic loss caused by a family due to a serious illness patient, and the insured can be compensated according to the insurance contract, that is, the risk of economic loss that originally belongs to the family is transferred to the insurance company to a certain extent.

The advantage of health insurance is that if the policyholder has a disease or unfortunately encounters an accident, which leads to physical injury and economic loss, the policyholder can get a certain amount of compensation from the insurance company to reduce his losses.

After understanding the difference between health insurance and critical illness insurance, we can know that health insurance and critical illness insurance are both different and related.

The features are different, and it is best to have the best combination.

Health insurance is generally mainly responsible for the reimbursement of post-medical expenses, mostly one-year insurance, the cost is cheap but not guaranteed to renew, after the occurrence of more serious diseases, it is easy to be refused to renew or exempt from liability.

Critical illness insurance is mostly a benefit-type special illness insurance, and when the critical illness defined in the terms of the insurance contract is met, the insurance company will pay cash compensation to cover the family expenses caused by the illness.

If you have social security and average financial ability, you can choose critical illness insurance.

If you have social security, you can buy it if your financial ability allows, but you can set the critical illness insurance amount to a more appropriate amount.

If you don't have social security and your financial ability is average, you can buy a cheap one first, such as the resident medical insurance in social security, and then add a health insurance.

Health insurance is a general reimbursement of inpatient medical expenses, and you can purchase community cooperative medical care. It is advisable to purchase critical illness insurance.