What does commercial medical insurance mean?

Commercial medical insurance is an integral part of the medical security system, and units or individuals can participate voluntarily without compulsory purchase. There are several categories of commercial medical insurance, including:

1, general medical insurance, which can mainly reimburse the insured for outpatient medical expenses and hospitalization medical expenses due to illness or accidental injury;

2. Accidental injury medical insurance can mainly reimburse the medical expenses incurred by the insured due to accidental injury;

3. Hospitalization medical insurance, which can mainly reimburse the insured for hospitalization expenses due to illness or accidental injury;

4. Surgical medical insurance, which can mainly reimburse the insured for medical expenses caused by surgery;

5, special disease insurance, mainly can protect the insured's specific diseases, and run claims, generally for fixed payment;

6. Other commercial medical insurance.

The difference between commercial medical insurance and social security;

1, different attributes: commercial medical insurance is a supplement to social security medical insurance to protect people's health; Medical insurance in social security belongs to basic medical security;

2. Different subjects: commercial medical insurance is operated by commercial insurance companies; Social security is managed by the government or its established institutions;

3. Different ways of implementation: Commercial medical insurance is insured on the basis of mutual willingness; Social security is compulsory;

4. Different security functions: commercial medical insurance mainly guarantees medical care; In addition to medical insurance, social security also has various guarantees such as pension, maternity and unemployment;

To sum up, commercial medical insurance is equivalent to the supplement of medical insurance and is an integral part of the medical security system, and units and individuals participate voluntarily. Ensure that we can reimburse hospitalization expenses caused by diseases and accidents.

Legal basis:

Article 12 of the Insurance Law of People's Republic of China (PRC)

When concluding an insurance contract, the applicant for life insurance shall have an insurable interest in the insured. The insured of property insurance shall have an insurable interest in the subject matter insured at the time of the insured accident. Personal insurance is an insurance with human life and body as the subject matter. Property insurance is insurance with property and its related interests as the subject matter. The insured refers to the person whose property or person is protected by the insurance contract and enjoys the right to claim insurance money. The applicant can be the insured. Insurable interest refers to the legally recognized interest of the insured or the insured in the subject matter of insurance.