Hospitalization cost more than 6,000 yuan, social security cost more than 2,000 yuan, and self-funded cost more than 3,000 yuan. How much can I apply for if I have participated in commercial insurance

Hospitalization cost more than 6,000 yuan, social security cost more than 2,000 yuan, and self-funded cost more than 3,000 yuan. How much can I apply for if I have participated in commercial insurance? Commercial insurance covers a much wider range of coverage and fields than social insurance, so social insurance can never replace commercial insurance. For more information, please visit this article.

How much you can reimburse depends on the reimbursement ratio of the commercial medical insurance you buy. You can ask the insurance company. The subject doesn't seem to understand the difference between social security and commercial insurance. You can learn more about the reimbursement content.

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 difference of security content.

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. Like many "magic drugs" for cancer treatment-targeted drugs, the effect of inhibiting cancer cells is very good, but the price is also high. 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.

Social security is a national welfare insurance, the security intensity is not too high, and the scope of reimbursement is relatively small. If you get sick and seek medical treatment in a different place, even if social medical insurance can be reimbursed, the reimbursement rate will be lower. There is some overlap between commercial medical insurance and social medical insurance, but due to the low reimbursement rate of social medical insurance, commercial medical insurance is needed as a supplement to get a higher level of protection. 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? Inventory of 20 Best-selling Medical Insurance in 2020