What is commercial social security?

Commercial insurance can make up for the shortcomings of social insurance, is an important supplement to social insurance, social insurance does not replace the existence of commercial insurance. Specific information about the difference between commercial insurance and social insurance, in this article have

Social security and commercial insurance in the medical insurance can be said to be the most typical difference, the following, we will take the medical insurance to a comparative analysis, to see why the commercial insurance is irreplaceable.

1, the difference in the content of the insurance

Social health insurance coverage is very limited, far less than the commercial health insurance included in the content of more. For the cost of services, such as registration fees, out-of-hospital consultation fees; diagnostic and treatment equipment and medical materials, such as the installation of prosthetic eyes, prosthetic limbs; and some treatment items, such as other organs or tissues other than kidney, blood vessels, bone, bone marrow transplants, etc., the social health insurance does not cover the medical costs, but all belong to the commercial medical insurance coverage.

The types of medicines that can be reimbursed by social security are also very limited, as shown in the chart below. For example, now for malignant tumors, the market has a lot of good efficacy, less damage to the body of other special drugs, such as the treatment of lung cancer Koraida, the average monthly cost of more than 50,000 yuan. However, this kind of medicine belongs to the social security drugs, if not buy commercial insurance, the vast majority of cancer patients can not afford to consume these special drugs.

2, the amount of reimbursement is different

Social health insurance, as a benefit given to citizens by the state, the reimbursement rate is much lower compared with commercial health insurance. If you receive treatment in a foreign country, even if the health insurance can be reimbursed, the reimbursement rate is usually even lower. Therefore, if you only buy social health insurance but not commercial health insurance, there is still a large proportion of people who are not covered by insurance. As shown in the chart, more than half of all medical expenses are reimbursed by social security at less than 50 percent.

Other analysis of the difference and connection between commercial insurance and social security, please see the social security health insurance how to use? An article that teaches you the process of applying for reimbursement!