Mom is 46 years old this year, so she bought a rural cooperative medical system and a rural hukou, and her health is not very good. Is it better to buy social security or commercial insurance?

Commercial insurance can make up for the deficiency of social insurance and is an important supplement to social insurance. Social insurance cannot replace commercial insurance. Want to know the specific content, take a look at this article.

As we all know, social security is our most basic guarantee, and the content of five insurance covers all aspects of our lives. Take the medical insurance in the five risks as an example. Even if you are sick now, you can continue to apply for insurance in the second year, you can reimburse related medical expenses, and you can enjoy lifelong medical insurance after paying 15 years. But this does not mean that social security is enough, and its protection is still not enough. Commercial insurance is needed to supplement it. See below for details.

Below, we take social medical insurance and commercial medical insurance as examples to talk about the difference between social security and commercial insurance.

1, insurance liability difference

The coverage of commercial medical insurance is much richer than that of social medical insurance. For example, commercial medical insurance can cover the medical expenses of examination and treatment items due to the application of large-scale medical equipment such as positron emission tomography (PET) and electron beam CT, but social medical insurance cannot do this.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. Like cancer treatment, many imported specific drugs are not covered by social security reimbursement, and the cost is high. For example, Kelida, which treats lung cancer, costs more than 50,000 yuan per month. However, such specific drugs are not included in social security drugs, and there is no commercial insurance. Many cancer patients cannot support such high expenses for a long time with family savings.

2. The reimbursement amount is different.

The reimbursement rate of commercial medical insurance above the deductible line can usually reach 100%, while the reimbursement rate of social medical insurance with national welfare is much lower than 100%. If you don't buy medical insurance for local treatment, but treat it in a different place, the reimbursement rate will be lower. Therefore, if you only buy social medical insurance and don't buy commercial medical insurance, there is still a large part of it that is not covered by insurance. 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 social security and commercial insurance, you can read this article How to Use Social Security and Medical Insurance. 1. Teach you how to apply for reimbursement!