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1.重大疾病保险即以疾病发生为给付保险金条件的保险。只要被保险人确认罹患了保险条款中列出的某种疾病,无论是否已经发生医疗费用,也不管一共发生了多少费用,都可获得保险公司的约定额度补偿。2.费用报销型医疗保险即以意外事故或疾病产生医疗费用为给付条件,按约定的比例给付保险金的医疗保险。最常见的是住院医疗费用和手术费用报销型保险,也有一些门诊、急诊费用报销保险。在门诊、急诊费用报销方面,市场上主要销售的是附加意外伤害门诊、急诊医疗保险,而由普通疾病引起的门诊、急诊保险非常少。
1. Major illness insurance is the insurance of sickness insurance. As long as the insured confirms that he has suffered a certain illness listed in the insurance clauses, he can get the agreed premium of the insurance company regardless of whether the medical expenses have occurred or not, and the total costs incurred. 2. Expense reimbursement-type medical insurance that is medical expenses incurred as an accident or illness as payment conditions, according to the agreed ratio of payment of medical insurance coverage. The most common are hospitalization and surgical expenses reimbursement insurance, there are some out-patient, emergency expenses reimbursement insurance. In outpatient and emergency expenses reimbursement, the main sales on the market are additional accidental injury outpatient and emergency medical insurance, while outpatient and emergency insurance caused by common diseases are very few.