Can I just buy commercial insurance and not social security?

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. Why is commercial insurance an important supplement to social insurance? After reading this article, you will fully understand "with social security, do you really need commercial insurance?" 》

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.

Let's take commercial medical insurance and social medical insurance as examples to explain why social insurance cannot replace commercial insurance.

1, ensuring that the contents are not completely coincident.

The insurance liability of commercial medical insurance is greater than that of social medical insurance. 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, many drugs that treat cancer well but cost more, such as Clonida for lung cancer, cost more than 50 thousand yuan a month. However, this specific 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.

The reimbursement rate of social medical insurance is not high. Without commercial medical insurance as a supplement, its protection is far from enough. For off-site treatment, even if it can be reimbursed, the reimbursement ratio will be discounted again, and the reimbursement ratio of commercial medical insurance will usually not change because of off-site treatment. There is some overlap between commercial medical insurance and social medical insurance, but due to the low reimbursement rate of social medical insurance, commercial medical insurance is needed as a supplement to get a higher level of protection. As shown in the figure, more than half of the medical expenses and less than 50% of the social security reimbursement.

There are many differences between social insurance and commercial insurance in other aspects. Friends who want to know, please continue to read this article, "Can I not buy commercial insurance with social security?" 》

Hope to adopt!

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Source: Xueba said that insurance official website