What is health insurance?

Health insurance is the abbreviation of health insurance, which mainly includes medical insurance, sickness insurance, disability income loss insurance, nursing insurance and medical accident insurance. Refers to the life insurance in which the insurer pays insurance money to the insured when he is ill. The payment scope of health insurance usually includes medical expenses, income loss, funeral expenses and living expenses of survivors.

Specific classification of health insurance:

1. Sickness insurance: This kind of insurance product refers to the treatment expenses incurred by the insured who suffers from a specified disease, and the insurance company will pay for it according to the regulations. Disease insurance provides insurance care for multiple and serious diseases, and generally pays immediately after diagnosis, with a large amount of compensation, which can effectively care for your healthy life. It's called critical illness insurance.

2. Medical insurance: Medical insurance mainly refers to the medical expenses and surgical expenses incurred by the insured for medical treatment. Insurance companies pay insurance premiums according to contracts, and products can generally be used as a supplement to social security, further reducing the economic burden of families.

3. Disability insurance: also known as income loss insurance and income protection insurance, refers to an insurance that causes income and property losses due to the insured's loss of working ability.

4. Nursing insurance: refers to the insurance that pays insurance money on the condition that the nursing needs are caused by the loss of daily living ability as stipulated in the insurance contract, and provides protection for the nursing expenses of the insured.