In fact, these are different insurance practices. World experience in this field shows the high efficiency of various models and systems. For example, in England, Ireland, Scotland, Italy and Denmark, the state funding system dominates.
Germany, France, Austria, Belgium, the Netherlands, Sweden and Japan have a system of compulsory health insurance.
At the same time, a mixed form of financing medical care prevails in the USA, about 90% of Americans use the services of private insurance companies. Perhaps information about best dental insurance for braces will interest you too

Life and health insurance
This practice protects the financial component of the family budget. Because any period of incapacity for work of an adult or a child requires care, not only medical expenses: simple work, forced hospitalization of one of the parents, etc. This is a significant loss for the family.
Life and health insurance works like this: if something happens to the health due to illness or accident, the insurance company pays the person a certain fixed sum insured or a percentage of the sum insured.
There are different payment algorithms. Insurance can cover not only hospitalization, but also surgical intervention separately. It can close the issue not only of medical costs, but also of rehabilitation and adaptation to new living conditions. There are such programs that make it possible to receive treatment not only in clinics, but also abroad.
Thus, life and health insurance is financial assistance to the family of the insured person who has had an insured event.


To summarize: voluntary health insurance allows you to protect a person only from medical expenses. At the same time, the financial security cushion guaranteed by health and life insurance will not be created, and the person will not receive any funds. Therefore, the difference is significant.

Anyone who is interested in this area should read about Health Insurance Plan and it will help you make the right decision