Maximum reimbursement limit for serious illness of social security

Insurance Bian Xiao helps you answer, and more questions can be answered online.

First, social security and critical illness insurance can be used at the same time.

However, the coverage of the two is somewhat different.

Critical illness insurance only pays for major diseases guaranteed by the contract. Other diseases are not covered by medical insurance, and the coverage is wider. Besides serious illness, there are other minor illnesses.

Therefore, if you suffer from the diseases stipulated in the critical illness insurance contract, both critical illness insurance and social security can be used.

In addition, the payment methods of critical illness insurance and social security are different.

Social security is an expense reimbursement type, which is reimbursed by medical invoices after seeing a doctor.

Critical illness insurance is a kind of commercial insurance and a kind of payment insurance. Not to reimburse medical expenses, but to pay for the insured's serious illness.

That is to say, if the insured suffers from the agreed disease, the insurance company will directly claim the insurance money according to the insured amount after confirmation, and it is not necessary to wait until the medical invoice and other materials are reimbursed after treatment, which can prevent the insured from missing the treatment opportunity.

So with social security, I suggest you configure another critical illness insurance.

Because social medical insurance is a kind of social insurance, it can only provide the most basic protection, with limited reimbursement scope and maximum payment limit.

However, with critical illness insurance, you can get multiple guarantees and provide yourself with a better treatment environment when a major disease occurs.