If you apply for commercial insurance first, can you still apply for urban and rural medical insurance?

If it is commercial insurance payment, such as critical illness insurance and hospitalization allowance, then this kind of commercial insurance payment does not conflict with the reimbursement of urban and rural medical insurance. If commercial insurance covers reimbursement of medical expenses, cost compensation, such as millions of medical insurance and accidental medical treatment, conflicts with urban and rural medical insurance.

In commercial insurance, commercial medical insurance is similar to social security reimbursement, and both are reimbursed. In other words, how much it costs to see a doctor can only be reimbursed at most.

If we have both social security and commercial medical insurance, then the following claim order must be remembered. First of all, when applying for commercial medical insurance, the rate with social security will be lower than that without social security.

When making claims, you need to go to social security for reimbursement first, and then go to commercial medical insurance for reimbursement. After deducting the deductible, 100% will be reimbursed within the scope of protection. If you go directly to commercial medical insurance for reimbursement without social security reimbursement, you will suffer a lot at this time. Generally, after deducting deductible, only 60% can be reimbursed at most.

Unlike critical illness insurance, commercial medical insurance belongs to reimbursement and can only reimburse the money spent on medical treatment. So the cost of treatment should be paid in advance.