I would like to ask, if there is an unexpected hospitalization or cancer tumor, will social security reimburse it, and how much can it be reported? Do I need to buy commercial insurance?

Commercial insurance and social insurance are complementary, and social insurance cannot replace commercial insurance. What is the specific difference between commercial insurance and social insurance? What you want to know is how to use social insurance in this article. 1. Teach you how to apply for reimbursement!

Cancer and tumor social security can be reimbursed, and there will be different reimbursement quotas according to different places, generally100000 yuan. Accidental hospitalization mainly depends on whether it is an accident on the way to work. If so, social security can be reimbursed. If not, it can't be. Of course, it is recommended to buy commercial insurance before the above situation occurs. If it has already happened, you may not be able to buy insurance. What's the use of commercial insurance? We can look down.

Below, let's take medical insurance as an example to discuss the difference between social security and commercial insurance in terms of coverage and strength.

1, different contents of insurance liability

Social medical insurance is far less comprehensive than commercial medical insurance in this respect. For example, the medical expenses of some treatment projects, such as organ or tissue transplantation other than kidney, heart valve, cornea, skin, blood vessel, bone and bone marrow transplantation, are not borne by social medical insurance, but by commercial medical insurance.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. For example, for the treatment of malignant tumors, there are many specific drugs with good effects and little side effects, but they are expensive. For example, for the treatment of lung cancer, Kelida costs more than 50,000 yuan per month. However, this medicine belongs to social security medicine. Without commercial insurance, most cancer patients can't afford these specific drugs.

2. The reimbursement amount is different.

The price of things with the word "welfare" is usually relatively low, and the content guarantee is relatively basic. The same is true of social medical insurance, with low premium and low reimbursement rate. If you receive treatment in a different place, even if medical insurance can be reimbursed, the reimbursement ratio will usually be reduced. Without commercial medical insurance, only social medical insurance is not enough to resist risks. As shown in the figure, more than half of the medical expenses and less than 50% of the social security reimbursement.

If you want to know more about the similarities and differences between social insurance and commercial insurance, please read this article.