Qual é a diferença entre seguro de vida e seguro de saúde?

What is the difference between life insurance and health insurance?

There are many doubts that arise when it comes to the difference between life insurance and health insurance. But the reality is that the two insurances can be distinguished by the coverage options. Therefore, we explain in this article what sets one insurance apart from the other.

11 Aug 20234 min

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Do you want to move forward with the hiring of your new insurance? Contact the insurance brokers Poupança no Minuto. To understand which solution is most advantageous for you, between life insurance and health insurance, read below to see the difference between the insurances.

What is life insurance?

Life insurance aims to ensure the payment of expenses for the insured and their respective family, in case of death, illness, or accident leading to disability.

In other words, this insurance covers the risk of death, disability, and also unemployment. In case of a claim, the insured person receives the agreed capital from the insurer to cover their expenses.

Even if the insured survives the accident, if left with a disability preventing them from earning income, they can activate life insurance.

But there are different life insurance modalities, for example, the insurance that covers only the risk of death, insurance that also covers the risk of survival, and the life insurance associated with mortgage credit, with distinct capitals.

What is health insurance?

Health insurance is a product that protect against risks related to healthcare, depending on the chosen coverage.

In other words, it can cover costs for exams, consultations, outpatient, hospitalization, services related to medical expenses, resulting from accidents, illness, among other causes.

You can access health insurance through two types of reimbursement systems: a system in which the policyholder pays the expenses directly at the time, then the subsidized amount is returned to them, and the system of direct payment by the insurer for clinical acts. Or you can also choose a combination of the two systems.

What stands out about insurance are the coverages

So, it is easy to understand that what distinguishes life insurance from health insurance are the coverages.

While life insurance can cover death and disability, health insurance ensures coverage of more common medical procedures.

Now, let's see:

Life insurance coverage

  • Death coverage;
  • Coverage for Absolute and Permanent Disability (APD) - disease or accident resulting in a disability equal to or greater than 80% (vegetative state), requiring assistance from third parties, preventing the insured from earning income through professional activities.
  • Coverage for Total and Permanent Disability (TPD) - illness or accident resulting in a disability of at least 66%, preventing the insured client from performing their professional or any other activity.

ITP coverage is more comprehensive, so it ends up being more expensive. In the event of a claim in these situations, the insured capital is paid to the policyholder or, in case of death, to the beneficiaries (usually the family).

Health insurance coverage

  • Outpatient clinic (appointments, treatments or due to accident);
  • Hospitalization (hospitalization, surgical interventions);
  • Stomatology (dental or maxillofacial medicine, orthodontics, prosthetics);
  • Birth (admission, birth, medication, transportation);
  • Serious illnesses (with capital reinforcement for hospitalization and outpatient care);
  • Follow-up after hospital discharge;
  • Inclusion in the contracted provider network;
  • Inclusion in a network with areas of osteopathy, psychology, acupuncture;
  • Online consultations;
  • Home assistance;
  • Second medical opinion.

Some health insurances may also cover death, but specifically due to accidents.

If you are looking to hire one of these insurances, or even both, turn to the service of insurance brokers Poupança no Minuto. They have been with you since day 1, with a free and personalized service, so that you can rest assured and protected with the hiring of your new insurance.

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