What's the difference between commercial insurance and social insurance? How to buy it is better?

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. For a more detailed explanation, please see how to use social security and medical insurance. 1. Teach you how to apply for reimbursement!

It is best to have both if you have the ability, and give priority to social security if you have insufficient economic ability. Take medical insurance in social security 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.

There are too many differences between social security and commercial insurance. Only the differences between social security and commercial insurance based on medical insurance are analyzed here.

1, the embodiment of safety content

Compared with the content of commercial medical insurance, the content of social medical insurance can be said to be dwarfed. For example, social medical insurance does not cover the medical expenses caused by out-of-hospital consultations and ambulance calls, but these are all covered by commercial medical insurance.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. For example, for malignant tumors, there are many special drugs on the market that have good curative effect and little harm to human body, such as Creda for treating lung cancer, which costs more than 50,000 yuan per month. There are many cancer-targeting drugs like Creda, which are not covered by social insurance. For cancer patients who have not bought commercial medical insurance and their family conditions are not very good, they can only give up this specific drug.

2. The reimbursement amount is different.

In this regard, due to the wide coverage and low premium of social medical insurance, its protection and reimbursement rate is naturally not as high as that of 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.

If you want to know more about the similarities and differences between social insurance and commercial insurance, please read this article.