I have social security and don't need commercial insurance. Is it true?/You don't say.

Social insurance and commercial insurance are not substitutes. Commercial insurance plays an irreplaceable role. Even if you buy social insurance, you still have to buy commercial insurance. For a more detailed explanation, please see how to use social security and medical insurance. 1. Teach you how to apply for reimbursement!

Below, we take social medical insurance and commercial medical insurance as examples to talk about the difference between social security and commercial insurance.

1, differences in security content

The content of commercial medical insurance is far more than social medical insurance. For service items, such as registration fee and consultation fee outside the hospital; Expenses for installing diagnosis and treatment equipment and medical materials such as artificial eyes and limbs; There are also some treatment items, such as the medical expenses of organ or tissue transplantation other than kidney, blood vessel, bone and bone marrow transplantation, which are not in social medical insurance coverage, but all in commercial 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. Such a good life-saving drug is often not covered by social security drugs. For many cancer patients who have not purchased commercial medical insurance, this targeted drug can only be abandoned because of the cost.

2. The reimbursement amount is different.

The price of things with the word "welfare" is usually relatively low, and the content guarantee is relatively basic. The same is true of social medical insurance, with low premium and low reimbursement rate. Furthermore, if some hospitals in different places choose to go to different places for treatment because the treatment effect is better, then the reimbursement ratio of social medical insurance will often be lower. There is some overlap between commercial medical insurance and social medical insurance, but due to the low reimbursement rate of social medical insurance, commercial medical insurance is needed as a supplement to get a higher level of protection. 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.