General insurance can be grouped into direct business and reinsurance business. Major types of insurance service include property damage, general liability, accident and health and motor vehicles.

一般保险可分为直接保险及再保险业务，主要包括财产损坏、一般法律责任、意外及健康，以及汽车等保险服务。

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Then, in case of accident, a serious injury or disease, it turns out that their health insurance does not cover the expenses and overall that has nothing to do with the insurance company.

然后，当发生意外时，比如严重受伤或者染上疾病–事实证明，他们的保险公司不会支付这些医药费用，并且大多数人都拿保险公司没办法。

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We have health insurance and accident insurance.

我们有健康保险和事故保险。

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Now they are moving into markets traditionally dominated by foreign players -- lower-premium accident, health and life insurance.

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The results are again are not surprising as accident and health insurance disputes are the most common, accounting for just over 48% of complaints.

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Zhong Dajun, head of an independent research institute in Beijing, wrote last month that the Yangtze delta was now more attractive to migrants thanks to measures aimed at ensuring they receive accident and health insurance and other benefits.

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