Article 38 of the labor bureau, the factory does not pay social security, only commercial insurance? Is this commercial insurance and social security? Did you not pay social security or did you not pa

Article 38 of the labor bureau, the factory does not pay social security, only commercial insurance? Is this commercial insurance and social security? Did you not pay social security or did you not pay enough? Commercial insurance and social security are complementary. To buy social insurance, you must 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!

This is considered not to pay social security. Paying social security for on-the-job employees is the obligation of enterprises. If they don't pay, it is illegal. You can report the company to the social security bureau. So you can ask for 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.

Here, let's briefly talk about the difference between social medical insurance and commercial medical insurance.

1, differences in insurance contents

The content of commercial medical insurance is more sufficient, covering many things that social medical insurance does not cover. Commercial medical insurance can cover out-of-hospital medical expenses, first-aid expenses, rehabilitation expenses and other medical expenses, but it is not responsible for these social medical insurance, that is, it is not in the social medical insurance coverage.

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. Many targeted drugs like Creda are not covered by social insurance, and it is difficult for most cancer patients to pay for taking this drug alone.

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. Social medical insurance will be different in each region. For off-site treatment, even if it can be reimbursed through medical insurance, the reimbursement ratio will be greatly reduced. It can be seen that social medical insurance cannot replace commercial medical insurance, and the expenses for reimbursement of social medical insurance are very limited. As shown in the figure, more than half of the medical expenses and less than 50% of the social security reimbursement.

If you want to know the difference between social insurance and commercial insurance in other aspects, please collect and read this article quickly.