Types of Health Insurance in China

There are four types of health insurance in China.

Medical insurance

Medical expense insurance refers to the insurance that pays the insurance under the condition of the agreed medical expenses, that is, the insurance that provides medical expense protection. It is one of the main contents of health insurance, including not only the medical expenses of doctors and surgical expenses, but also the costs of hospitalization, nursing, hospital equipment, etc.

Sickness insurance

The term refers to an insurance that takes illness as the condition for payment of insurance benefits, including two forms of common disease insurance and critical disease insurance. Usually, the insurance amount of this kind of policy is relatively large, and the payment method is generally to pay the insurance amount in one lump sum immediately after the diagnosis of special diseases.

Income protection insurance

It refers to a form of insurance in which the insurance benefits are paid in stages within a certain period of time when the insured is disabled due to illness or accidental injury, loses the ability to work and loses the income or reduces the income.

Nursing insurance

Long-term care insurance is health insurance that reimburses the cost of nursing services for insured persons who require long-term care due to old age, illness or disability. There are four levels of coverage: caregiver care, intermediate care, caregiver care and in-home care, but early long-term care insurance products do not cover in-home care.

Source: https://baike.baidu.com/item/%E5%81%A5%E5%BA%B7%E9%99%A9/2618117

Discussion

What kinds of medical insurance are available in your country? Do you have medical insurance?

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Career Chinese: Bridging the Gaps for Success Copyright © by Xiaojun Wang; Jin Liu; Ping Yu; and Yuanyuan Huang is licensed under a Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 International License, except where otherwise noted.