Social security does not need commercial insurance.

Social insurance includes endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance, while commercial insurance includes not only the above five types of insurance, but also other types of personal insurance and property insurance. Therefore, it is not comprehensive to buy only social security and not commercial insurance. If you want to know more about their connections and differences, take a look at this article. How to use social security and medical insurance? 1. Teach you how to apply for reimbursement!

The difference between social security and commercial insurance in medical insurance can be said to be the most typical. Below, let's make a comparative analysis of medical insurance to see why commercial insurance is irreplaceable.

1, insurance liability difference

The content of commercial medical insurance is more sufficient, covering many things that social medical insurance does not cover. Commercial medical insurance can cover out-of-hospital medical expenses, first-aid expenses, rehabilitation expenses and other medical expenses, but it is not responsible for these social medical insurance, that is, it is not in the social medical insurance coverage.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. Like many "magic drugs" for cancer treatment-targeted drugs, the effect of inhibiting cancer cells is very good, but the price is also 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.

Social medical insurance, as a welfare given by the state to citizens, has a much lower reimbursement rate than commercial medical insurance. Social medical insurance will be different in each region. For off-site treatment, even if it can be reimbursed through medical insurance, the reimbursement ratio will be greatly reduced. It can be seen that social medical insurance cannot replace commercial medical insurance, and the expenses for reimbursement of social medical insurance are very limited. As shown in the figure, more than half of the medical expenses and less than 50% of the social security reimbursement.

Regarding the similarities and differences between commercial insurance and social insurance in other aspects, you can look at this article again.