Is it better for foreigners to buy social security or commercial insurance in Shanghai?

Social security mainly guarantees the basic needs of life, but it gives people the lowest level of protection, while commercial insurance has a higher level of protection. The two may overlap, but they are irreplaceable. About the specific introduction of the difference between commercial insurance and social insurance, how to use social insurance in this article? 1. Teach you how to apply for reimbursement!

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.

The difference between social security and commercial insurance in medical insurance can be said to be the most typical. Below, let's make a comparative analysis of medical insurance to see why commercial insurance is irreplaceable.

1, the embodiment of safety content

The coverage of commercial medical insurance is much richer than that of social 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. Like cancer treatment, many imported specific drugs are not covered by social security reimbursement, and the cost is high. For example, Kelida, which treats lung cancer, costs more than 50,000 yuan per month. However, these imported specific drugs often do not belong to 1.4% social security drugs, but belong to the coverage of commercial medical insurance. If you don't buy commercial insurance, you can only give up this life-saving medicine.

2. The reimbursement amount is different.

Social medical insurance has a wide coverage and many people need to be taken care of. It can be said that there is not enough manpower and the reimbursement ratio will not be too high. Also, because of the treatment in different places, the proportion of social medical insurance reimbursement will be lower. 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.

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