Do you need social security to buy medical insurance?

Whether buying medical insurance requires social security requires the insured to carefully check the terms of the insurance contract. Because the regulations and requirements of various insurance companies are different, some need social security to buy, and some can buy without social security. But generally speaking, if the insured does not have social security when purchasing medical insurance, the premium will be higher than those who have participated in social security. Or in the later claims, the insurance amount paid by the insurance company will be lower than that of those who participate in social security.

The main characteristics of social medical insurance are wide coverage and low security. The limit of medical expenses that can be paid by the social pooling medical fund is about 4 times of the average annual salary of local employees, and the excess will not be reimbursed. Therefore, commercial medical insurance can be used as a useful supplement to social medical insurance to make up for the losses of the insured.

According to the compensation principle of medical insurance, the settlement of medical expenses is based on the actual medical expenses, and the remaining medical expenses after social medical insurance compensation will be settled by commercial insurance companies according to the insurance clauses.