Social insurance is a useful supplement to commercial insurance.

Social insurance includes endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance, while commercial insurance includes not only the above five types of insurance, but also other types of personal insurance and property insurance. Therefore, it is not comprehensive to buy only social security and not commercial insurance. What is the specific difference between commercial insurance and social insurance? What you want to know is how to use social insurance in this article. 1. Teach you how to apply for reimbursement!

Accurately speaking, commercial insurance is a supplement to social insurance. We 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 and reimburse the related medical expenses. Pay enough 15 years, and you can still enjoy lifelong medical insurance. 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.

Here, let's briefly talk about the difference between social medical insurance and commercial medical insurance.

1, ensuring that the contents are not completely coincident.

The content of social medical insurance is very limited, far less than that of commercial medical insurance. Medical expenses such as registration fees, out-of-hospital consultation fees and medical records fees, as well as the expenses of medical equipment and medical materials such as artificial eyes, prostheses and hearing AIDS, are not covered by social medical insurance, but the coverage of commercial medical insurance can cover these expenses.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. For example, cancer treatment, many kinds of cancer are now treated with specific drugs, but many of them need to be imported and the cost is relatively 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.

Social security is a national welfare insurance, the security intensity is not too high, and the scope of reimbursement is relatively small. 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. Obviously, if there is no commercial medical insurance supplement, if you are seriously ill, social medical insurance will not play much role. As shown in the figure, more than half of the medical expenses and less than 50% of the social security reimbursement.

Regarding the similarities and differences between commercial insurance and social insurance in other aspects, you can look at this article again.