What's the difference between China Life Insurance and Social Security Payment?

Two reimbursement formulas can be used to describe the difference between the payment methods of Huaxia Life Insurance. For those with social security, the reimbursement formula is (medical expenses-social security reimbursement-1 000)* 1 000%, and for those without social security, (medical expenses-20,000) *60%, which seems very simple and clear. Of course, reimbursement from other commercial organizations will also be deducted.