What does it mean not to pay without social security settlement?

If you don't use social security settlement, you won't be paid.

The insurance contract stipulates that the insured or beneficiary chooses not to use social security for settlement when receiving medical services, and the insurance company will not pay the relevant medical expenses. This is a cooperation agreement between insurance companies and social security institutions. Only after the insured or beneficiary uses social security for settlement, the insurance company will pay for the excess. The use of social security settlement can reduce the economic burden of the insured or beneficiary, and individuals who do not use social security settlement should bear all medical expenses themselves.