1. General medical insurance, which provides the insured with general medical expenses related to the treatment of diseases. It mainly includes outpatient expenses, medical expenses and inspection expenses. This kind of insurance has low premium cost and is more suitable for the general public. Because it is difficult to control the expenditure of medical expenses and examination expenses, such policies generally have deductibles and cost-sharing clauses, and the insurer pays a certain proportion of the above deductibles, and stipulates that the insurance expenses should be paid once a year. When the accumulated expenses of each disease exceed the insured amount, the insurer is no longer responsible;

2. Hospitalization insurance, because hospitalization expenses are often high, hospitalization expenses are regarded as a separate insurance. The expenses of hospitalization insurance mainly include daily hospitalization expenses (bed fees), hospital equipment use fees, operation fees and medical expenses. The length of hospitalization will directly affect its cost. Therefore, the insured amount of this kind of insurance should be determined according to the average hospitalization expenses of patients. In order to control unnecessary long-term hospitalization, hospitalization insurance generally stipulates that the insurer is only responsible for a certain proportion of the total cost, not all;

3. Surgery insurance, which provides all expenses arising from patients' need for necessary surgery.

4. Comprehensive medical insurance. Comprehensive medical insurance is a comprehensive medical expense insurance provided by the insurer for the insured, and its cost range includes all expenses such as medical treatment, hospitalization and surgery. The insurance premium of this kind of policy is higher. Generally speaking, the lower deductible is determined together with the appropriate sharing ratio;