There are many insurance policies on the market such as medical card, 36 diseases insurance, life insurance, accident insurance, travel insurance and so on. Among them, medical card and 36 diseases insurance are the most confusing insurance. Here we bring you the difference between medical card and 36 diseases insurance.
The insurance company will pay for the hospitalization, medical treatment and handling fees of the medical card insured when hospitalized for treatment. However, these costs do not include non-essential expenses such as astro fees, newspapers, hospital welcome gifts, maids’ beds in the hospital, etc.
The medical card does not provide direct cash to the insured person, the insurance company will pay the hospital/medical fees directly to the hospital. The medical card is only valid for hospitals designated by the insurance company. If you have more than one medical card at the same time, you can only receive one payment.
The 36 Sickness Insurance is designed to cover the financial hardship of the insured person during the period of illness and the insurance company will pay you directly in cash. If you have more than one policy for a serious illness, you can apply for compensation from these insurance companies at the same time. However, the 36 diseases insurance only covers 36 diseases and you will not be compensated in case of other diseases.
The major difference between the medical card and the 36 illnesses is that the medical card is paid directly to the hospital, while the 36 illnesses are paid to the insured person.
