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Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate employees for economic losses caused by disease risks.
01. Commercial medical insurance
Can be divided into reimbursement medical insurance and compensation medical insurance.
Reimbursement medical insurance means that the medical expenses spent by the patient in the hospital are reimbursed by the insurance company, and indemnity medical insurance means that the patient is clearly diagnosed by the hospital as suffering from a certain disease listed in the contract, and the insurance company agrees to the contract. The amount to be paid to patients for treatment and care.
02. Allowance payment type
Subsidy payment medical insurance is a medical insurance in which the insurance company pays insurance money to the insured person by time, by day or by item in accordance with the subsidy standard stipulated in the contract. The claims have nothing to do with the actual medical expenses incurred, and no invoice is required.
Life insurance is a type of life insurance, which takes the life of the insured as the object of insurance and takes the life or death of the insured as the payment conditions.
01. Term life
Term life insurance means that if the insured person dies during the period specified in the policy, the deceased beneficiary has the right to receive insurance money. If the insured person does not die during the insurance period, the insurer does not need to pay the insurance money nor return the insurance premium. "Term life insurance" This insurance mostly provides protection for the insured to engage in more dangerous jobs in the short term.
02. Lifetime
Whole life insurance is an unscheduled death insurance, referred to as "life insurance". The insurance liability starts from the effective date of the insurance contract until the death of the insured. Since death is inevitable, the insurance money of life insurance must eventually be paid to the beneficiary. Due to the long period of life insurance, its premium rate is higher than that of term insurance, and it has the function of saving.
Savings insurance refers to survival insurance that focuses on savings. This insurance can raise education expenses, marriage funds or start-up funds for children, etc.
01. Commercial medical insurance
Can be divided into reimbursement medical insurance and compensation medical insurance.
Reimbursement medical insurance means that the medical expenses spent by the patient in the hospital are reimbursed by the insurance company, and indemnity medical insurance means that the patient is clearly diagnosed by the hospital as suffering from a certain disease listed in the contract, and the insurance company agrees to the contract. The amount to be paid to patients for treatment and care.
02. Allowance payment type
Subsidy payment medical insurance is a medical insurance in which the insurance company pays insurance money to the insured person by time, by day or by item in accordance with the subsidy standard stipulated in the contract. The claims have nothing to do with the actual medical expenses incurred, and no invoice is required.
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