How to use social security to cut into commercial insurance

Social insurance includes endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance, while commercial insurance includes not only the above five types of insurance, but also other types of personal insurance and property insurance. Therefore, it is not comprehensive to buy only social security and not commercial insurance. If you want to know more, please read this article. How to use social security and medical insurance? 1. Teach you how to apply for reimbursement!

Both social insurance and commercial insurance include medical insurance, so here, let's compare social medical insurance and commercial medical insurance and briefly talk about the differences between them.

1, the difference between social medical insurance and commercial medical insurance in the protection content

The content of social medical insurance is very limited, far less than that of commercial 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, such specific drugs are not included in social security drugs, and there is no commercial insurance. Many cancer patients cannot support such high expenses for a long time with family savings.

2. The reimbursement amount is different.

Because of its welfare, social security has a relatively low premium, and its security and reimbursement scope are also relatively low. Also, because of the treatment in different places, the proportion of social medical insurance reimbursement will be lower. Obviously, if there is no commercial medical insurance supplement, if you are seriously ill, social medical insurance will not play much role. 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 reading this article.