Is there any conflict between the five insurances and one gold given by the unit and commercial insurance?

The five insurances and one gold provided by the unit generally do not conflict with commercial insurance. Commercial insurance is a powerful supplement to social security.

For example, the occurrence of major diseases will produce two expenses-direct medical expenses and indirect expenses (including nursing expenses, nutrition expenses, rehabilitation expenses, income loss, etc. ). Social security can only reimburse some direct medical expenses, and many self-funded drugs are not reimbursed; Indirect medical expenses are bottomless, and this part of the expenses cannot be reimbursed by social security. At this time, commercial insurance can play a supplementary role, and the insurance company will directly pay a sum of money, without worrying about buying medicines at its own expense, hiring nursing workers to spend a sum of money or losing income.

The basic medical insurance co-ordination fund pays individual hospitalization medical expenses, with deductible line and capping line. Social security only pays the expenses above Qifubiaozhun, below the maximum limit and within the scope of reimbursement in proportion, and the medical expenses below Qifubiaozhun and above the capping line are paid by individuals. If you have comprehensive commercial insurance at this time, the excess should be solved through commercial insurance.

Medical insurance does not "manage" lost time. Due to the constraints of population and economy, China's medical insurance system can only be a "wide coverage and basic protection" security system, which solves the fundamental problem. However, apart from part of the expenses that can be solved by social security, a person's illness will also generate two expenses: one is the cost of losing income because he can't work; The second is the cost of post-treatment, nutrition and nursing after a serious illness. These two aspects are also a considerable expenditure, but they are not included in the medical insurance reimbursement project. Insurance around additional health subsidies is an effective supplement to medical insurance, which is enough to avoid the dilemma of patients and make up for the loss of income caused by sick leave.

legal ground

People's Republic of China (PRC) social insurance law

Article 58 An employing unit shall, within 30 days from the date of employment, apply to the social insurance agency for social insurance registration for its employees. If the social insurance has not been registered, the social insurance agency shall verify the social insurance premium it should pay. Employees-free individual industrial and commercial households who voluntarily participate in social insurance, part-time employees who do not participate in social insurance in the employing unit and other flexible employees shall apply to the social insurance agency for social insurance registration. The state establishes a national unified personal social security number. Personal social security number is a citizen's identity number.