How to buy supplementary commercial medical insurance?

Commercial supplementary medical insurance can be purchased by individuals, and employees often apply for personal supplementary medical insurance through affiliated units, but personal supplementary medical insurance can be realized through commercial medical insurance. Compared with basic medical insurance, supplementary medical insurance includes enterprise supplementary medical insurance, commercial medical insurance, social mutual assistance and community medical insurance, which is a powerful supplement to basic medical insurance and an important part of multi-level medical security system. However, we should know that there is an upper limit for supplementary medical insurance, and the regulations vary from place to place, generally ranging from 654.38 million yuan to 200,000 yuan. For the average person, the insurance coverage of 6.5438+10,000-200,000 yuan is enough. Of course, if you need more comprehensive protection, you can choose some critical illness insurance from insurance companies. With social security, you don't have to consider minor illness medical insurance. Generally, this kind of insurance lasts for one year. Once hospitalized, social security can reimburse 80%, leaving little for yourself. However, critical illness insurance must be available, and it is recommended to buy at least 300,000 insurance coverage. Because once you get a serious illness, the drugs and treatments used are generally outside the scope of medical insurance, and individuals have to bear the vast majority. If you are seriously ill, the insurance company will pay 300,000 yuan in one lump sum. No matter how much you spend, the social security reimbursement will not be affected. Prudential Life Insurance, an insurance company that can choose the monthly payment method, is very good. Finally, you can buy a little accident insurance+accident medical insurance, and then add it when you buy a serious illness. After all, the probability of unexpected arrival is still relatively high.

Legal objectivity:

Article 23 of the full text of the Social Insurance Law of People's Republic of China (PRC), employees shall participate in the basic medical insurance for employees, and the employer and employees shall jointly pay the basic medical insurance premium according to the provisions of the state. Individual industrial and commercial households without employees, part-time employees who have not participated in the basic medical insurance for employees and other flexible employees can participate in the basic medical insurance for employees, and individuals pay the basic medical insurance premium in accordance with state regulations.