What's the difference between critical illness insurance and critical illness insurance?

The difference between critical illness insurance and critical illness insurance;

1, different concepts.

We often say "five insurances and one gold", and basic medical insurance is one of these "five insurances". Funded by the government, it provides the people with the most basic medical security, mainly reimbursing general outpatient, emergency and hospitalization expenses. Serious illness medical insurance is to reimburse the high medical expenses incurred by seriously ill patients, mainly to solve the problem of "poverty caused by illness and returning to poverty due to illness".

2, the payment period is different

There is no requirement for the payment period for serious illness medical insurance. After the basic medical insurance reaches a certain payment period, it can enjoy the national medical insurance treatment without payment.

3. The scope of reimbursement is different

Serious illness medical insurance refers to the second reimbursement of the insured for the high medical expenses caused by major diseases after the reimbursement of basic medical insurance. The actual payment ratio is not less than 50%, and the higher the medical expenses, the higher the proportion. However, the basic medical insurance co-ordination fund and individual account are divided into payment scope and accounted for separately. Moreover, only medical expenses incurred within the scope of the basic medical insurance can be reimbursed.

What is critical illness insurance and critical illness insurance?

1, critical illness insurance

Critical illness insurance, that is, critical illness insurance, refers to the commercial insurance behavior handled by the insurance company, in which the insured suffers from a major disease, such as malignant tumor and myocardial infarction, and the insurance company gives appropriate compensation for the medical expenses incurred.

Generally speaking, critical illness insurance is a protection against major diseases. When you are unfortunately suffering from a serious illness, you can get a sum of money.

2. critical illness insurance

Serious illness insurance is a new institutional arrangement to compensate the high medical expenses incurred by seriously ill patients after reimbursement by basic medical insurance. It belongs to the category of social insurance, which is guaranteed and not for profit.