What does commercial supplementary medical insurance mean?

Commercial supplementary medical insurance is a kind of basic medical insurance. Supplementary medical insurance includes enterprise supplementary medical insurance, commercial medical insurance, social mutual assistance and community medical insurance, which is a powerful supplement to basic medical insurance and an important part of building a multi-level medical security system.

Commercial medical insurance is a part of the medical security system, which is voluntarily participated by units and individuals. The state encourages employers and individuals to participate in commercial medical insurance. Commercial medical insurance is operated by insurance companies for profit.

Commercial supplementary medical insurance refers to profitable medical insurance operated by insurance companies. Employers or individuals can choose to participate in commercial supplementary medical insurance according to their own needs. Insured people need to pay certain insurance premiums, and they can get certain medical expenses from insurance companies when they encounter major diseases.

In addition, commercial supplementary insurance can be simply said that employers buy additional commercial insurance for employees on the basis of paying social insurance. Commercial supplementary medical insurance is relative to basic medical insurance. Insurers sign medical insurance contracts with insurance companies according to their own wishes.

Commercial supplementary medical insurance is a powerful supplement to basic medical insurance. Insurers sign medical insurance contracts with insurance companies according to their own wishes. Generally speaking, individual medical insurance and group medical insurance are two main forms of such insurance products.

To sum up, supplementary medical insurance is a kind of commercial insurance, including enterprise supplementary medical insurance, commercial medical insurance, social mutual assistance and community medical insurance. They are a powerful supplement to the basic medical insurance and an important part of building a multi-level medical security system.

What is the function of commercial supplementary medical insurance?

Commercial supplementary medical insurance can provide more comprehensive protection on the basis of basic medical insurance and meet people's different service needs. Some people and individuals have some special needs besides basic medical insurance, including higher-level reimbursement of medical expenses and demands for security and services closely related to medical and health care. These requirements mainly include the following aspects:

First of all, medical and health services, commercial supplementary medical insurance can provide a series of convenient medical services, such as peri-consultation, medical guidance, referral appointment and so on. , ease the difficulty of medical treatment for insured persons. At the same time, commercial supplementary medical insurance can also provide health management services, such as health consultation and chronic disease management, aiming at improving the health status of the insured.

Secondly, commercial supplementary medical insurance can meet the needs of temporary or permanent sexual dysfunction and inability to work normally due to injury, and provide corresponding compensation.

Finally, commercial supplementary medical insurance can provide the protection of accidental injury risk to deal with medical expenses and other related expenses caused by accidental injury.