If I have social medical insurance and bought commercial medical insurance, there is only one original invoice. How should I report it?

Commercial insurance covers a much wider range of coverage and fields than social insurance, so social insurance can never replace commercial insurance. The following is just a comparison. If you want to see the details, please read this article.

Generally, social security is used for reimbursement first, and commercial medical insurance can be used for reimbursement if there is still money after reimbursement. Here, the split list after social security reimbursement is used as evidence. The subject doesn't seem to understand the difference between social security and commercial insurance. You can learn more about the reimbursement content.

There are too many differences between social security and commercial insurance. Only the differences between social security and commercial insurance based on medical insurance are analyzed here.

1, differences in security content

Social medical insurance is far less comprehensive than commercial medical insurance in this respect. For service items, such as registration fee and consultation fee outside the hospital; Expenses for installing diagnosis and treatment equipment and medical materials such as artificial eyes and limbs; There are also some treatment items, such as the medical expenses of organ or tissue transplantation other than kidney, blood vessel, bone and bone marrow transplantation, which are not in social medical insurance coverage, but all in commercial medical insurance coverage.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. For example, for malignant tumors, there are many special drugs on the market that have good curative effect and little harm to human body, such as Creda for treating lung cancer, which costs more than 50,000 yuan per month. However, this imported specific drug is usually not covered by social security. For cancer patients without commercial medical insurance as a supplement, they can only choose to take traditional anticancer drugs at this time.

2. The reimbursement amount is different.

The price of things with the word "welfare" is usually relatively low, and the content guarantee is relatively basic. The same is true of social medical insurance, with low premium and low reimbursement rate. If you don't receive treatment in the place where you buy medical insurance, the reimbursement rate will be lower, which is very different from commercial medical insurance, so the reimbursement rate of commercial medical insurance will not decrease. It can be seen that social medical insurance cannot replace commercial medical insurance, and the expenses for reimbursement of social medical insurance are very limited. 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!