What does 20 yuan's critical illness insurance of Shenzhen Social Security cover? Do I still need to buy critical illness insurance?

The warranty responsibility of this product includes the following two aspects:

1. In-patient medical treatment is deducted from social security overall planning, and 70% of out-of-pocket expenses 1 10,000 are reimbursed within the scope of social security;

2. For drugs within the scope of 1 1 kinds of serious diseases not covered by social security, there is no deductible, and 70% will be reimbursed. The guarantee period is one year, as long as the social security is insured, it can be insured without medical examination, and past diseases can also be reimbursed. Regardless of age, the price is unified as 20 yuan. Compared with the products made in 200 yuan on the market, this is really a conscience product.

However, you still need to buy critical illness insurance because:

1, this serious illness only guarantees the corresponding drug reimbursement for eleven serious diseases.

2. Most treatment items and drugs for general major diseases are not covered by social security medical reimbursement.

3. Social security critical illness insurance is a reimbursement type rather than a one-time payment type, and the treatment cycle for critical illness is too long, which cannot fundamentally solve the problem.

To sum up, small umbrella insurance experts suggest that you buy a commercial critical illness insurance as a supplement.