NIC is limited to the social security catalog

It is perfectly fine to be a supplement to social security.

My friends around me also often ask me this, already have social health insurance, if you get sick, directly with the medical card can be reimbursed ah, why waste money to buy critical illness insurance?

The basic social health insurance can be summarized in two words: broad coverage and low level. Although almost everyone has health insurance nowadays, the coverage is not very high.

For example, for the medication part, social security can only reimburse the drugs in the Social Security Drug Catalog, of which 100% of Class A drugs can be reimbursed, and Class B drugs need to pay 10%; new drugs not listed in the Catalog, and some imported and expensive medicines and devices are not reimbursed. In addition, in addition to direct medical expenses, nutritional expenses, nursing costs, etc. are not reimbursable through social security.

Secondly, health insurance is a reimbursement type of compensation, for the sick family in the short term financial pressure is obviously a sudden increase, can only be reimbursed after the fact, may not be able to play a role in a timely manner;

Moreover, medical insurance will not pay out more than the amount of the actual expenditure of medical expenses. Not only that, in the basic social medical insurance, there are deductible sections for outpatient and emergency services, hospitalization has a starting standard, and there is also a limit on the maximum payment limit of the integrated fund, and the medical expenses above the ceiling line can only be reimbursed on a proportional basis. It is also because of these system limitations, many people will find, for example, they are sick in the hospital once a small surgery, obviously spent 20,000 yuan of total medical costs, but only through the social security reimbursement of 40% to 50% of the cost.

See, although almost everyone can enjoy the social security, but the protection is relatively limited.

So let's take a look at critical illness insurance. Take Xinhua's recently launched cost-effective critical illness insurance - i depend on critical illness insurance as an example, if a 32-year-old middle-aged man insures himself against six critical illnesses version of i depend on, with a sum insured of 300,000 yuan, and is diagnosed 90 days after the insurance is taken out with stomach cancer - one of the malignant tumors within the insurance liability - he will have to take out an insurance policy to protect himself. one of the malignant tumors covered by the insurance liability, NWS will pay him 300,000 RMB according to the contract. This kind of payment is based on the diagnosis of serious illnesses agreed in the contract as the condition of payment, and has nothing to do with the actual amount of medical expenses incurred, and even less to do with the patient's health insurance status. The money can be used to save lives, subsidize the family, or any other actions, and the insurance company does not care about how much the customer actually spent on medical expenses, or what kind of hospitals and medicines he or she spent on. In addition, after a patient suffers from a serious illness, in addition to the normal cost of treatment, some hidden costs increase, such as not being able to work anymore and needing to hire a caregiver to take care of them, and the payout can provide some financial compensation for the patient and his or her family.

As you can see, all the insurance in commercial insurance and social security are not in conflict. Social security can only provide basic protection, while commercial insurance, as an effective supplement to social security, can well solve the problem of poverty due to illness. If the insured person suffers from a major disease, regardless of how the social security reimbursement, once diagnosed, the major disease insurance or cancer insurance can immediately pay out, the patient can use the money to carry out later treatment, or leave a fortune for the family. It is recommended to save for a rainy day when you are healthy and supplement such a protection for yourself and your family.

Extended reading: insurance how to buy, which is good, hand to teach you to avoid the insurance of these "pits"