Social insurance and commercial insurance, the benefits and shortcomings of both

Social insurance is not a substitute for commercial insurance, commercial insurance has the strength of protection is far from social insurance, so buy social security also need commercial insurance. To know more about the content please move to this article What is the difference between social security and commercial insurance"

Social security, as we all know, is the most basic protection, which the content of the five insurance coverage encompasses all aspects of our lives. In the case of the five insurance medical insurance, for example, even if you are now sick, the next year can continue to be insured, can be reimbursed for the relevant medical expenses, after paying enough fifteen years can also enjoy the lifelong health insurance protection. But this is not to say that there is social security is enough, its protection is still not quite enough, you need to use commercial insurance to supplement, you can look down below.

The following is an example of commercial medical insurance and social medical insurance, explaining why social insurance can not replace commercial insurance.

1, commercial health insurance coverage is not exactly the same as social health insurance coverage

Commercial health insurance coverage is much richer than social health insurance coverage. For example, social security does not cover "registration fees", "out-of-hospital consultation fees", "medical records" and other services such as fees and diagnostic equipment and medical materials belonging to the category of prosthetic eyes, prosthetic limbs, However, most commercial insurance policies in the market cover these two types of medical expenses.

Social security is also very limited in the types of drugs it can reimburse, as shown in the chart below. For example, now for malignant tumors, there are already a lot of effective drugs on the market with good efficacy and less damage to the rest of the human body, such as Koraida for lung cancer, which costs more than 50,000 yuan per month on average. Unfortunately, this kind of medicine does not belong to the social security drugs, and can not be reimbursed, and many cancer patients' family income is not enough to pay for such a high cost of medicine.

2. The reimbursement is different

Commercial health insurance usually reimburses up to 100 percent of the total amount above the deductible, however, the reimbursement of social health insurance, which is a national welfare program, is far less than 100 percent. If it is a type of off-site treatment, the reimbursement rate of social health insurance will be relatively lower again. Therefore, social health insurance may be sufficient to cope with the expenses of minor illnesses, but it is not sufficient in the face of major illnesses. As shown in the chart, more than half of the medical expenses, social security reimbursement rate is less than 50%.

For more on this, see "The difference between social security and commercial insurance that you can't afford not to know"

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Source: Schoolboys say insurance official website