What is the difference between medical insurance and health insurance?

What is the difference between medical insurance and health insurance?

 Health insurance is an insurance company that pays insurance money for losses caused by health reasons. At present, the more popular health insurances in China are critical illness insurance and medical insurance. It can be seen that medical insurance is a branch of health insurance. For those who are new to insurance, what are the questions about medical insurance and health insurance, the following is a detailed introduction.

 1. What is medical insurance and health insurance

 1. What kind of medical insurance

 Medical insurance is an integral part of the medical security system, and units and individuals participate voluntarily, and it is also an effective supplement to social security. Medical insurance is insurance in which insurance companies reimburse a certain proportion of the medical expenses incurred by the insured when they visit a doctor. The deductible is paid on a pro-rata basis, but the benefits paid will not exceed the actual medical expenses.

 The primary role of health insurance is to address the financial stress of illness or accident. At present, the coverage of medical insurance products on the market is constantly updated, and the coverage is more comprehensive. For example, the most advanced quality heavy ions for the treatment of malignant tumors are also covered, providing users with more comprehensive and considerate insurance protection, among which millions of medical premiums are guaranteed low High, only a few hundred yuan of insurance can get millions of protection. At the same time, many products also provide green access for medical treatment, which alleviates the current situation of tight medical resources.

 2. What is health insurance

 Health insurance is insurance that guarantees that the insured will be compensated for direct expenses or indirect losses in the event of injury caused by illness or accident, including sickness insurance, medical insurance, income protection insurance, and long-term care. insurance.

 At present, the more popular health insurances in my country are critical illness insurance and medical insurance. The role of critical illness insurance is to pay the beneficiary a sum of money directly from the insurance company as insurance money when the critical illness insurance contract compensation conditions are met. Insurance companies do not limit how beneficiaries can use insurance money, so the insurance money can be used to compensate for medical expenses, to compensate for convalescent expenses, to educate children, or to support parents. While medical insurance is mainly used for reimbursement of medical expenses, it is usually limited to reimbursement of medical expenses.

The difference between medical insurance and health insurance

 1. Different coverage

 Health insurance includes medical insurance, so the scope of health insurance is wider, including sickness insurance, medical insurance, income protection insurance, long-term care insurance, etc.; while medical insurance usually limits the scope of use and is only used for reimbursement of medical expenses.

 2. Different ways of claim settlement

 Medical insurance does not stipulate the type of disease, as long as it is within the scope of reasonable medical treatment, it can be reimbursed, and the scope of health insurance coverage for diseases is stipulated in the contract, and no compensation will be paid outside the scope of the contract.

 3. The guarantee period is different

 The general coverage period of medical insurance is 1 year. After the insurance expires, the insured needs to re-insure. The insurance company often re-evaluates the health status of the insured to decide whether to agree to re-purchase. The disease insurance in health insurance is generally long-term. The protection is often set to 20 years, 30 years, to the age of 60, 70, or life. After this type of insurance product is insured, long-term insurance protection can be obtained.

 What are Medicare and Health Insurance? 

Medical insurance is insurance in which insurance companies reimburse a certain proportion of the medical expenses incurred by the insured when they visit a doctor; health insurance refers to the loss of the insured due to health problems, and the insurance company will pay the corresponding insurance according to the insurance contract. gold. In general, when purchasing insurance, users should consider their family’s economic situation, the physical condition of the insured, and the purpose of insurance, carefully compare the focus of the two types of insurance and choose the one that suits them best.

By aamritri

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