With social security, do you need to buy additional commercial insurance?

With social security, you still have to buy additional commercial insurance. If you don't have time to read the following friends, you can collect this article first: With social security, you don't have to buy commercial insurance? What's the difference between social security and commercial insurance?

Social security includes endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance. For us, social security can only provide the most basic protection, and it can't resist much in the face of strong winds and heavy rains. Take medical insurance as an example. First of all, its reimbursement amount will be limited by the deductible line and the capping line. In addition, its coverage will also be limited by the medical insurance catalogue. If some anticancer drugs are outside the medical insurance catalogue, then medical insurance will not be reimbursed.

Therefore, social security can only guarantee our minimum medical care, so if commercial medical insurance is configured, this gap in social security can be filled. Whether in or out of the social security catalogue, imported drugs or self-funded drugs, as long as they meet the conditions of the insurance contract, medical expenses can be reimbursed according to the contract.

Therefore, medical insurance can effectively make up for the shortage of medical insurance by virtue of its advantages of wide reimbursement scope and strong reimbursement. Senior, here is a cost-effective medical insurance list. You may wish to refer to it when configuring medical insurance: the latest list of 10 million medical insurance is freshly released!

Finally, sister Shi reminded everyone that it is easy for Xiaobai to buy commercial insurance. For example, if health notification is not done well, there may be cases where insurance companies do not pay claims. You'd better read this insurance pit prevention guide compiled by senior sister: what kind of insurance is good and how to buy it is cost-effective, and teach you to avoid these pits by hand.

Hope to adopt!

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