Is critical illness insurance a commercial health insurance?

Critical illness insurance is a special health insurance product, which belongs to commercial health insurance.

It mainly provides protection for people with serious diseases, including cancer, heart disease, liver disease and other serious diseases. Different from other health insurance products, the premium of critical illness insurance is usually paid in one lump sum, which makes the insured reduce part of the burden in the face of disease treatment and rehabilitation. Critical illness insurance has low premium, high cost performance and low insurance threshold, which is very suitable for ordinary consumers to buy.