Can commercial insurance and social security reimbursement at the same time

Commercial insurance and social security can be reimbursed at the same time, the details are as follows:

1, as long as the social security and commercial insurance purchased meet the standards of benefits, is reimbursed at the same time;

2, hospitalization medical expenses, you can be reimbursed by the social security, and then reimbursement of the part of social security is not reimbursed by the commercial insurance.

Currently, the three directories of health insurance clearly stipulate the use of drugs, services, diagnostic and treatment items, and with the gradual increase in out-of-pocket expenses, the economic burden on each family is also getting heavier and heavier, which is where the advantages of commercial insurance can come to the fore. Commercial insurance can reimburse the part of out-of-pocket expenses that cannot be reimbursed by medical insurance, such as insulin interferon, etc. Commercial insurance has a certain degree of flexibility, and can be reasonably matched with the amount of coverage according to the individual family's financial situation. Not only can the medicines inside and outside the medical insurance drug list be reimbursed, but also under the combination of medical insurance and commercial insurance, the reimbursement rate can be greatly increased, and even full reimbursement can be realized, so as to alleviate the financial burden of the patients.

Legal basis: Article 28 of the Chinese People's **** and the State Social Insurance Law

Medical costs in line with the basic medical insurance drug catalog, diagnostic and therapeutic items, medical service facility standards, as well as emergency, rescue, according to the state provisions of the basic medical insurance fund to pay.

Article 29

The portion of the medical expenses of insured persons that should be paid by the basic medical insurance fund shall be settled directly between the social insurance administration organization and the medical institutions and drug business units.

The administrative departments of social insurance and the administrative departments of health shall establish a settlement system for medical expenses incurred for medical treatment in other places, so as to facilitate the enjoyment of basic medical insurance by insured persons.