Can social security and commercial insurance be reimbursed at the same time?

Social security and commercial insurance can be reimbursed at the same time. These two are complementary, medical insurance is reimbursed in proportion, and commercial insurance is reimbursed according to the insured amount and percentage. Generally speaking, medical insurance should be reimbursed first, and the rest should be used by business newspaper. The critical illness insurance was lost as soon as it was diagnosed. Not only do they not conflict, but they are complementary. Commercial insurance is a supplement to social medical insurance. The disadvantage of social medical insurance is that it is guaranteed but not covered. Therefore, if the cost is exceeded, the insured needs to pay at his own expense and cannot be reimbursed by social medical care. However, if you buy medical treatment with commercial insurance, you can get reimbursement from the insurance company.

Social security reimbursement process:

1. When you need to be hospitalized due to illness, you can go to the designated hospital with the medical insurance card and medical records, and you can use the medical insurance card for settlement;

2. The patient is critically ill and hospitalized in a designated hospital outside the hospital. After being identified as an emergency rescue disease, he can be settled in the rescue hospital with the medical insurance card;

3. If the patient is transferred to other places for treatment, the expenses incurred in other places shall be solved by the individual at his own expense. After the diagnosis and treatment, all materials will be reimbursed by the community labor security workstation.

Legal basis: Article 23 of the Social Insurance Law of People's Republic of China (PRC).

Employees should participate in the basic medical insurance for employees, and employers and employees should jointly pay the basic medical insurance premiums in accordance with state regulations. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.