What is the purchase order of commercial insurance and social insurance?

Social security mainly guarantees the basic needs of life, but it gives people the lowest level of protection, while commercial insurance has a higher level of protection. The two may overlap, but they are irreplaceable. Why is commercial insurance an important supplement to social insurance? After reading this article, you will fully understand how to use social security and medical insurance. 1. Teach you how to apply for reimbursement!

Give priority to social security. As we all know, social security is our most basic guarantee, and the content of five insurance covers all aspects of our lives. Take the medical insurance in the five risks as an example. Even if you are sick now, you can continue to apply for insurance in the second year, you can reimburse related medical expenses, and you can enjoy lifelong medical insurance after paying 15 years. But this does not mean that social security is enough, and its protection is still not enough. Commercial insurance is needed to supplement it. See below for details.

Below, let's take medical insurance as an example to discuss the difference between social security and commercial insurance in terms of coverage and strength.

1, differences in security content

Although there is some overlap between commercial medical insurance and social medical insurance, the content of commercial medical insurance is far broader than social medical insurance. For example, social medical insurance can't reimburse the medical expenses arising from the organ source or tissue source of various organ or tissue transplants, while commercial medical insurance can cover the medical expenses incurred.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. For example, cancer treatment, many kinds of cancer are now treated with specific drugs, but many of them need to be imported and the cost is relatively high. For example, Kelida, which treats lung cancer, costs more than 50,000 yuan per month. There are many cancer-targeting drugs like Creda, which are not covered by social insurance. For cancer patients who have not bought commercial medical insurance and their family conditions are not very good, they can only give up this specific drug.

2. The reimbursement amount is different.

Social security is a national welfare insurance, the security intensity is not too high, and the scope of reimbursement is relatively small. Furthermore, if some hospitals in different places choose to go to different places for treatment because the treatment effect is better, then the reimbursement ratio of social medical insurance will often be lower. It can be seen that if we rely solely on social medical insurance and face more serious diseases, such protection is not enough. As shown in the figure, more than half of the medical expenses and less than 50% of the social security reimbursement.

For other analysis on the differences and connections between commercial insurance and social security, please refer to how to use social security medical insurance. 1. Teach you how to apply for reimbursement!