I didn't understand why I bought commercial insurance until I read the V chart of medical insurance.

Many friends may not understand why they have to buy commercial insurance after buying social security. However, social security alone is not enough. We should have a good plan and tailor-made commercial insurance to fully guarantee our future life.

Friends often ask me, I have social security, is it necessary to spend money on commercial medical insurance? On the other hand, some people go to the other extreme and buy a lot of commercial medical insurance, only to find that it is duplicate with the existing social security. Then, how should we design our own health insurance plan so as to spend less money and enjoy the greatest protection?

Part I: Social security alone is not enough for medical treatment.

According to the data of the Information Center of the Ministry of Health, the probability of a person suffering from a serious illness in his life is as high as 72%. It is not terrible to get seriously ill. What is terrible is the huge medical expenses, because social security cannot fully bear it.

Commercial health insurance should also be considered when there is medical insurance.

Health is the capital of revolution, but many factors such as environmental pollution and mental stress make many people's health worried. In this regard, we must first prevent diseases and take care of our health; Second, you must be prepared so that you can see a doctor. However, in the face of the current medical situation of "difficult and expensive medical treatment", people find that even with social security, many medical expenses have to be paid out of their own pockets every time they are seriously ill.

Mr. Wu, 35, recently spent nearly 20,000 yuan on medical expenses due to illness, including social security medical reimbursement18,000 yuan and expenses not covered by basic medical insurance of 2,000 yuan. After leaving the hospital, Mr. Wu went to the social security department for reimbursement. As a result, he got back 14620 and had to pay 5380 himself. Realizing that social medical insurance alone is not enough, he decided to buy some commercial medical insurance as a supplement.

An insurance expert from Chengdu Branch of a life insurance company said that the current national conditions determine that our social medical security can only be "low level and wide coverage". This means that the medical insurance we enjoy faces many restrictions. The first is the limit of social security medical reimbursement. Simply put, it is "there is a threshold fee and a cap line".

According to reports, the basic medical insurance pooling fund has a deductible line and a capping line for paying individual hospitalization medical expenses. Medical expenses below Qifubiaozhun and above the capping line shall be paid by personal account or cash. Social security only pays the expenses above Qifubiaozhun, below the maximum limit and within the scope of reimbursement in proportion.

Secondly, the limitation of reimbursement scope. Some drugs (new drugs, imported drugs, expensive drugs, etc.). ), as well as some medical treatment projects and medical service facilities, are not covered by social security and medical insurance reimbursement. For medical expenses caused by traffic accidents, social security and medical insurance are generally not reimbursed. In addition, the expenses that often occur during illness, such as nutrition expenses, nursing expenses, income loss, etc. , not included in the scope of reimbursement.

Social security is to give money afterwards, while the critical illness insurance in commercial insurance is to give money after diagnosis. If there is a serious illness, it can make up for the plight of many families who have no money to treat diseases; In addition, the compensation for the death of commercial insurance can often solve the life dilemma of the insured family.

Commercial critical illness insurance generally has exemption clauses. In the event of an accident agreed in the contract, the insured does not need to pay the follow-up premium, but the guarantee continues to be effective, and the premise of enjoying social security medical care is to continue to pay on time according to regulations;

It can be seen that social medical insurance, like wooden doors installed by urban families, can provide basic security functions. However, for preventing family medical risks, this kind of protection alone is still thin. If you want to further improve the health protection ability of individuals or families, you need to install another iron gate-commercial health insurance.

Commercial critical illness insurance should be considered for serious illness.

Insurance experts say that there are generally three kinds of diseases: minor, moderate and serious.

A minor illness is what we call headache and brain fever. It can be cured for three or four hundred dollars, and the average family can afford it. Generally speaking, middle-aged diseases need hospitalization, and the cost generally ranges from 5,000 yuan to 1 10,000 yuan. Coupled with social security compensation, ordinary families can basically afford it.

Serious diseases are all modern diseases, such as cancer, cardiovascular and cerebrovascular diseases, which directly threaten our health and life and cost a lot, leading to family economic collapse and even debt. Terrible is that with the increase of work pressure and the change of environment, serious illness is not far away from us: according to a data from the Information Center of the Ministry of Health, the probability of a person suffering from serious illness in his life is as high as 72%-shouldn't he prepare early under such a high probability?

Part II: Different types of commercial medical insurance have different guarantees.

The function of commercial medical insurance: to supplement the deficiency of social medical insurance coverage; Supplementary out-of-pocket part; Supplementary medical expenses beyond the cap line ... social insurance pursues equality for all! Commercial insurance pursues customization!

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.