Will commercial insurance and social security reimbursement conflict?

Social security mainly guarantees the basic needs of life, but it gives people the lowest level of protection, while commercial insurance has a higher level of protection. The two may overlap, but they are irreplaceable. For an in-depth analysis of the relationship between commercial insurance and social insurance, please refer to how to use social insurance. 1. Teach you how to apply for reimbursement!

Social security and commercial insurance reimbursement will not conflict. 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.

There are too many differences between social security and commercial insurance. Only the differences between social security and commercial insurance based on medical insurance are analyzed here.

1, ensuring that the contents are not completely coincident.

The insurance liability of commercial medical insurance is greater than that of social medical insurance. For example, social medical insurance does not cover the medical expenses caused by out-of-hospital consultations and ambulance calls, but these are all covered by commercial medical insurance.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. Everyone is afraid of cancer. In fact, great progress has been made in cancer treatment in recent years. For example, many kinds of cancers now have specific drugs, but the cost is relatively high. For example, Kelida, which treats lung cancer, costs more than 50,000 yuan per month. For patients who have not purchased commercial medical insurance, such drugs can only be out of reach, because social medical insurance does not include this cancer-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. Social medical insurance will be different in each region. For off-site treatment, even if it can be reimbursed through medical insurance, the reimbursement ratio will be greatly reduced. 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.

If you want to know more about the similarities and differences between social insurance and commercial insurance, please read this article.