Does commercial insurance have social security?

Commercial insurance and social security are complementary. To buy social insurance, you must buy commercial insurance. Want to know the specific content, take a look at this article. How to use social security medical insurance? 1. Teach you how to apply for reimbursement!

Social security and commercial insurance are completely different and do not overlap. 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, 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, the embodiment of safety content

Social medical insurance is far less comprehensive than commercial medical insurance in this respect. For example, the coverage of social medical insurance does not include the examination and treatment items using large medical equipment such as electron beam CT and ophthalmic excimer laser therapeutic apparatus, while the coverage of commercial medical insurance can include the expenses incurred by using these large medical equipment for examination and treatment.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. Everyone is afraid of cancer. In fact, great progress has been made in cancer treatment in recent years. For example, many kinds of cancers now have specific drugs, but the cost is relatively high. For example, Kelida, which treats lung cancer, costs more than 50,000 yuan per month. However, these imported specific drugs often do not belong to 1.4% social security drugs, but belong to the coverage of commercial medical insurance. If you don't buy commercial insurance, you can only give up this life-saving medicine.

2. The reimbursement amount is different.

Social medical insurance has a wide coverage and many people need to be taken care of. It can be said that there is not enough manpower and the reimbursement ratio will not be too high. If you get sick and seek medical treatment in a different place, even if social medical insurance can be reimbursed, the reimbursement rate will be lower. In case of serious illness and high medical expenses, social insurance alone is not enough. As shown in the figure, more than half of the medical expenses and less than 50% of the social security reimbursement.

If you still don't know why social security can't replace commercial insurance, read this article again. How to use social security medical insurance? 1. Teach you how to apply for reimbursement!