Will social security and critical illness insurance conflict together?

Serious illness insurance is an effective supplement to social security;

1, the basic design principles of medical insurance are low level, wide coverage and low security;

The implementation of reimbursement system, after the reimbursement can not alleviate the sudden increase in economic pressure of patients' families in a short period of time;

In the social basic medical security, the limitation of self-financing years, minimum payment standard and maximum payment limit increases the burden on patients.

Therefore, the protection of social security is very limited.

2. The supplementary protection advantage of commercial critical illness insurance is obvious.

On the one hand, the principle of commercial critical illness insurance claims is "once diagnosed", and you can apply for "reimbursement afterwards" without invoices, which can provide sufficient economic support for early treatment of patients and their families and is conducive to early treatment of patients;

On the other hand, the coverage of commercial critical illness insurance products on the market is quite comprehensive.

Take the "Health 100 Protection Plan" of Bai Xiaojun's family as an example. The plan covers 100 diseases, and also has provisions such as minor illness compensation and premium exemption to help individuals and families resist the financial crisis caused by health risks.