Health insurance principles and the types of insurance

1 What is health insurance?

Health insurance is based on the insured person's body for the health of the basic starting point in order to provide the insured person's medical expenses for the purpose of compensation for a class of insurance.

2, health insurance and the difference between ordinary life insurance

Health insurance is based on morbidity and the incidence of accidental injuries as the basis for calculating premiums. Health insurance refers to insurance, accident sickness and accidental injuries, not death, unlike other life insurance life table as to the basis for determining premium rates. Therefore, health insurance rates are the experience rates, instead of ordinary life have a fixed life table to be investigated.

Accident insurance, health insurance refers to illness, accidental injuries, etc. There are many human diseases, health insurance, there are many different types of insurance, for a variety of diseases, all ages can be combined, each has a certain amount of insurance customers group, insurance and more, to secure customer, the more, in particular, a lower incidence of some, but the event, most families can not afford their medical expenses are insurance, even with a low rate to protect the high characteristics. The general life insurance life insurance is just a combination of receiving and death payments, insurance less.

3, commercial health insurance, what type?

Commercial health insurance, including critical-illness insurance, hospitalization insurance, and hospital reimbursement-type subsidy-type insurance.

Critical-illness insurance to disease as the payment conditions, in general, as long as the insured person is diagnosed with suffering from an illness as defined in the contract, regardless of the number of medical costs, according to insurance contracts can be agreed on the amount of compensation.

Hospital reimbursement type insurance to an accident or illness caused by hospital payment terms of medical costs, according to the proportion of the insurance contract claims. Such insurance and social insurance and other complementary commercial insurance, the insured person claims gold in the hospital after the payment, need to be the cost of insurers to provide the corresponding invoice.

Hospitalization subsidies type insurance is insured by accident or illness leads to hospitalization, insurance companies, according to the standard contract pay subsidies to insurance income protection insurance, and social insurance and other commercial health insurance has nothing to do, but also in the hospital after the payment.

Basic elements of critical-illness insurance

1, the nature of insurance

Now offers serious illness protection insurance from the nature of points, mainly into three categories:

Main risks: Can be purchased separately, generally have a longer guarantee period, the price moderate, serious illness to guarantee the full, is the most important big risky.

Additional insurance: cheap, ill guarantee the full, but the insurance, short duration and can not be purchased separately, renewal again, when faced with underwriting. Therefore, customer's greatest risk is the real risk comes, may not have insurance.

Portfolio insurance: from a number of bundled insurance sales, higher prices generally include major illness, accident, life insurance and other comprehensive safeguards to protect the relative lack of serious illness.

If you do not have any insurance, it is recommended to purchase portfolio insurance, such a policy would be more comprehensive information; if you first buy big risky, it is recommended to purchase the primary insurance; if you already have a number of serious illness protection, want to increase the level of protection, it is recommended to purchase additional insurance.

2, the scope of insurance

General building Dangerous insured limited to gender, age, compliance can participate, but the amount of pay between men and women have some differences in male than in female. As the insurance market competition intensifies, appeared on the market specifically for men, women, children, the big risky, type of insurance for specific populations increased security, customers can under the circumstances of such additional insurance, but it must not only buy such a single - insurance. After all, there are many young and old, regardless of the occurrence of serious illness, and therefore still have to give priority to purchasing some of the basic serious illness insurance.

3, insurance

The most common serious illness about 10 classes or so, so long as the insurance coverage for serious illness such as acute myocardial infarction, stroke, cancer, coronary artery bypass graft surgery, severe burns, major organ transplants and other major diseases and surgery, then this insurance for serious illness Security can be said to be rather inadequate. The big risky by Paul diseases more and more a lot of disease is a low probability of disease, to customers in terms of little meaning, would like to run, customers can focus on what end-stage disease, diabetes, AIDS, age-related The progressive diseases (such as Alzheimer's disease, Alzheimer's, Parkinson's syndrome), the level of protection.