With commercial insurance, do you still need to buy social security? Is there a conflict between the two reimbursement?

Social insurance includes endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance, while commercial insurance includes not only the above five types of insurance, but also other types of personal insurance and property insurance. Therefore, it is not comprehensive to buy only social security and not commercial insurance. If you want to know more about their connections and differences, take a look at this article. How to use social security and medical insurance? 1. Teach you how to apply for reimbursement!

It is best to have both if you have the ability, and give priority to social security if you have insufficient economic ability. Generally, social security is used for reimbursement first, and commercial medical insurance can be used for reimbursement if there is still money after reimbursement. Take medical insurance in social security 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.

Below, we take social medical insurance and commercial medical insurance as examples to talk about the difference between social security and commercial insurance.

1, differences in insurance contents

Compared with the content of commercial medical insurance, the content of social medical insurance can be said to be dwarfed. Medical expenses such as registration fees, out-of-hospital consultation fees and medical records fees, as well as the expenses of medical equipment and medical materials such as artificial eyes, prostheses and hearing AIDS, are not covered by social medical insurance, but the coverage of commercial medical insurance can cover these expenses.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. For example, in cancer treatment, there are many targeted drugs with relatively small side effects and high curative effect, but these specific drugs are very expensive. For example, Kelida, which treats lung cancer, costs more than 50,000 yuan per month. There are many cancer-targeting drugs like Creda, which are not covered by social insurance. For cancer patients who have not bought commercial medical insurance and their family conditions are not very good, they can only give up this specific drug.

2. The reimbursement amount is different.

The price of things with the word "welfare" is usually relatively low, and the content guarantee is relatively basic. The same is true of social medical insurance, with low premium and low reimbursement rate. Furthermore, if some hospitals in different places choose to go to different places for treatment because the treatment effect is better, then the reimbursement ratio of social medical insurance will often be lower. In case of serious illness and high medical expenses, social insurance alone is not enough. As shown in the figure, more than half of the medical expenses and less than 50% of the social security reimbursement.

The above are just some differences between commercial insurance and social insurance in medical insurance. Other differences, interested friends can see what good medical insurance recommendations are there? 20 Best-selling Medical Insurance Inventory in 2020