What is the difference between commercial medical insurance and social medical insurance?

Social security mainly guarantees the basic needs of life, but it gives people the lowest level of protection, while commercial insurance has a higher level of protection. The two may overlap, but they are irreplaceable. The following is just a comparison. If you want to see the details, please read this article. How to use social security insurance? 1. Teach you how to apply for reimbursement!

As we all know, social security is our most basic guarantee, and the content of five insurance covers all aspects of our lives. Take the medical insurance in the five risks 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.

Take commercial medical insurance and social medical insurance, social security is far from being a substitute for commercial medical insurance.

1, the embodiment of safety content

Although there is some overlap between commercial medical insurance and social medical insurance, the content of commercial medical insurance is far broader than social 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. Everyone is afraid of cancer. In fact, great progress has been made in cancer treatment in recent years. For example, many kinds of cancers now have specific drugs, but the cost is relatively high. For example, Kelida, which treats lung cancer, costs more than 50,000 yuan per month. However, this particular drug is not in the social medical insurance coverage, so it is out of reach for many cancer patients.

2. The reimbursement amount is different.

Social medical insurance, as a welfare given by the state to citizens, has a much lower reimbursement rate than 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. Therefore, to obtain higher security, it is not enough to rely solely on social insurance. 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 social security and commercial insurance, you can read this article How to Use Social Security and Medical Insurance. 1. Teach you how to apply for reimbursement!