Is it better to seek social medical insurance or commercial insurance first for reimbursement of hospitalization expenses?

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. What is the specific difference between commercial insurance and social insurance? What you want to know is how to use social insurance in this article. 1. Teach you how to apply for reimbursement!

Generally, social security is used for reimbursement first, and commercial medical insurance can be used for reimbursement if there is still money after reimbursement. 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 between social medical insurance and commercial medical insurance in the protection content

Compared with the content of commercial medical insurance, the content of social medical insurance can be said to be dwarfed. For example, social security does not cover services such as "registration fee", "out-of-hospital consultation fee" and "medical record fee", as well as the expenses of rehabilitation devices such as artificial eyes, prostheses and hearing AIDS belonging to medical devices and medical materials, but most commercial insurances in the market cover these two medical 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.

Social medical insurance, as a welfare given by the state to citizens, has a much lower reimbursement rate than commercial medical insurance. 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. For more serious diseases, social medical insurance is not enough to cope with risks. As shown in the figure, more than half of the medical expenses and less than 50% of the social security reimbursement.

If you want to know more about social security and commercial insurance, you can read this article How to Use Social Security and Medical Insurance. 1. Teach you how to apply for reimbursement!