The child already has social security. Is it necessary to buy commercial health insurance?

Social insurance and commercial insurance are not substitutes. Commercial insurance plays an irreplaceable role. Even if you buy social insurance, you still have to buy commercial insurance. For a more detailed explanation, please see how to use social security and medical insurance. 1. Teach you how to apply for reimbursement!

Let's take commercial medical insurance and social medical insurance as examples to explain why social insurance cannot replace commercial insurance.

1, differences in insurance contents

In this regard, many things that are not covered by social medical insurance are covered by commercial medical insurance. For example, social medical insurance does not cover the medical expenses caused by out-of-hospital consultations and ambulance calls, but these are all covered by commercial medical insurance.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. For example, many drugs that treat cancer well but cost more, such as Clonida for lung cancer, cost more than 50 thousand yuan a month. However, this specific drug is not in the social medical insurance coverage, so it is out of reach for many cancer patients.

2. The reimbursement amount is different.

The welfare of social security also makes it impossible for its reimbursement ratio to be as high as that of commercial medical insurance. Also, because of the treatment in different places, the proportion of social medical insurance reimbursement will be lower. Therefore, social medical insurance may be enough to meet the expenses of minor illnesses, but it is not enough to face serious illnesses. As shown in the figure, more than half of the medical expenses and less than 50% of the social security reimbursement.

There are many differences between social insurance and commercial insurance in other aspects. Friends who want to know, please continue reading this article.