Why don't ordinary people live a well-off life as long as they have enough food and clothing (as long as they have social security and no commercial insurance)

Compared with commercial insurance, the types and contents of social insurance can be said to be only the tip of the iceberg, so social insurance can't replace commercial insurance, only social insurance can be bought, and the degree of protection is very limited. Why is commercial insurance an important supplement to social insurance? After reading this article, you will fully understand how to use social security and medical insurance. 1. Teach you how to apply for reimbursement!

Both social insurance and commercial insurance include medical insurance, so here, let's compare social medical insurance and commercial medical insurance and briefly talk about the differences between them.

1, insurance liability difference

Although there is some overlap between commercial medical insurance and social medical insurance, the content of commercial medical insurance is far broader than 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. Unfortunately, this specific drug is not a social security drug and cannot be reimbursed. The family income of many cancer patients is not enough to pay such a high drug fee.

2. The reimbursement amount is different.

Because of its welfare, social security has a relatively low premium, and its security and reimbursement scope are also relatively low. If you receive treatment in a different place, even if medical insurance can be reimbursed, the reimbursement ratio will usually be reduced. For more serious diseases, social medical insurance is not enough to cope with risks. 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 the difference between social insurance and commercial insurance in other aspects, please collect and read this article quickly.