Easily handle what is commercial medical insurance.

With the improvement of risk awareness, the word insurance is no longer a word in a few living dictionaries, but a common word in more and more people's lives. Many units even use the signboard of "commercial medical insurance" as the "killer" of recruitment, but few people can specifically say what is commercial medical insurance? Today, I will introduce the contents of commercial medical insurance to readers in detail.

The "Enjoy Your Health" critical illness insurance plan covers cancer in situ and 30 kinds of critical illness protection. To understand what commercial medical insurance is, we must first understand the insurance channels.

When you look up recruitment information on the Internet or see commercial medical insurance in your daily life, you will be confused. Do you have the impulse to know what commercial medical insurance is? It's actually quite simple. The so-called commercial medical insurance simply refers to the profitable medical insurance operated by insurance companies. Consumers pay a certain amount of insurance money, and they can get a certain amount of medical expenses from insurance companies when they encounter major diseases. Which insurance company is stronger? I just sorted out the relevant content, hoping to help you: the latest list! Top Ten Insurance Companies in China

This kind of insurance has a wide range of insurance channels, and customers can choose their own insurance channels according to their own habits. For example: Internet experts can choose online insurance; If you are "indifferent", then you can choose the channel of agency service; If you are a "shop around" person, you can choose an insurance agency; If you want to enjoy the service of "personal tailor", then there is no doubt that an insurance brokerage company is your best choice; If you want to kill two birds with one stone, you can choose bank insurance.

Difference from social medical insurance

The concept of social medical insurance is no longer strange to many people, but commercial medical insurance is not so familiar. So what's the difference between the two?

First, they have different properties. Commercial medical insurance is a kind of insurance operated by insurance companies, which is realized by the insured signing a contract voluntarily by means of economic compensation; Social medical insurance is compulsory and belongs to the category of social welfare undertakings.

Second, the objects and functions of insurance are different. The former takes natural persons as the insurance object, aiming at obtaining corresponding economic compensation when the insured citizens need to pay medical expenses due to accidental injuries or diseases; The latter is to protect the basic life of the insured and maintain social equity.

Third, the reciprocal relationship between rights and obligations is different. The former is based on the contractual relationship, and the insurance company and the insured belong to the reciprocal relationship of equivalent exchange; The latter is based on labor relations, and the fees paid are not proportional to the insurance money received.

Through my summary, do you have a clearer understanding of what commercial medical insurance is? Do you have a detailed understanding of the difference between it and social medical insurance?

The "Le Kang Worry-Free" refundable hospitalization medical insurance scheme has dual functions of insurance protection and premium refund.