The difference between medical insurance and critical illness insurance is mainly reflected as follows:1. Scope of coverage (1) The rules of medical insurance are relatively simple, and the treatment of the insured person's illnesses only needs to meet the specified requirements, such as hospitalization.
The main solution is the cost of expenditure on treatment, reducing the patient's expenditure on treatment costs.
(2) Critical illness insurance provides for a wide range of diseases, and diseases are also divided into different states, the insured person needs to be diagnosed with the disease agreed in the contract, or meet the relevant surgery agreed in the contract in order to get the corresponding claims.
Critical illness insurance is a one-time payment, in addition to covering the cost of treatment, can also be used in other ways, mainly to cover the loss of income after recovery.
2, the way to pay
Medical insurance is mainly used to compensate for outpatient medical treatment and hospitalization medical expenses caused by illness or accident, which is reimbursement type, and there are limits.
(1) The main function of the million medical insurance is to transfer the risk of medical expenses, and reimbursement is based on the actual medical expenses, minus the deductible amount stated in the product.
(2) Critical illness insurance claims contain three kinds of conditions, the diagnosis of benefits, the implementation of the relevant surgical benefits and disease response state benefits, each product may also be adjusted, the specific need to refer to the specific product terms and conditions.
3, coverage period
The vast majority of medical insurance on the market today are one-year products.
Because of the rapid rise in medical costs, the development of new treatments and effective medicines every day, all of which will affect the cost of medical care and the pricing of medical insurance, insurance companies will not launch a large number of long-term medical insurance due to cost considerations.
So there are very few medical insurance products with guaranteed renewals, and some with better renewal terms will be guaranteed for the duration of the contract, but only for a maximum of six years.
Types of life insurance concepts:
Life insurance is about the human body itself, human health, human life insurance. Life insurance includes life insurance, but also health insurance and personal accident insurance.
Health insurance: health insurance is an insurance that the insurance company pays the insured for health reasons or the occurrence of medical behavior, mainly including medical insurance, disease insurance, loss of income insurance for incapacity, nursing care insurance, and medical accident insurance.