Do I still need social security if I have business insurance? Is there a conflict between the two reimbursement

Social insurance is not a substitute for commercial insurance, commercial insurance has the protection of social insurance is far from social insurance, so buy social security also need commercial insurance. Why is commercial insurance an important supplement to social insurance? After reading this article you will all understand how to use social security medical insurance? An article to teach you to apply for the reimbursement process!

These two in the case of the ability of the best are equipped with a little, the lack of financial ability to prioritize social security. The first thing you need to do is to get the money back from the social security system, and then you can reimburse yourself with the commercial medical insurance if you still have money left. If you go directly to commercial insurance for reimbursement instead of social security first, commercial insurance basically will not reimburse 100%. It seems like you don't really understand the difference between commercial insurance and social security, so you can go down to the bottom of the page and learn more about some of the reimbursements.

Here, we will briefly talk about the differences between social health insurance and commercial health insurance.

1, the content of the coverage does not completely overlap

Social health insurance coverage content compared with commercial health insurance coverage, can be said to be small. For example, medical expenses incurred as a result of organ or tissue transplants of various organ or tissue sources cannot be reimbursed by social health insurance, while commercial health insurance can cover the medical expenses incurred as a result of such transplants.

The types of drugs that social security can reimburse are also very limited as shown in the chart below. Everyone is afraid of cancer, and there has actually been a lot of progress in cancer treatment over the years. For example, many types of cancers now have effective drugs for treatment, but the cost burden is relatively high. For example, the average monthly expenditure for the treatment of lung cancer is more than 50,000 dollars. However, this kind of imported special-effective drugs usually do not belong to the scope of social security, for cancer patients who have not configured commercial medical insurance as a supplement, they can only choose to take traditional anti-cancer drugs at this time.

2. Different reimbursement rates

Social health insurance, which is a national welfare program, does not offer as high a reimbursement rate as commercial insurance because it takes into account the entire nation's insured citizens. If you receive treatment in a foreign country, the reimbursement rate is usually lower, even if the health insurance is able to reimburse you. Therefore, if you only buy social health insurance, but not commercial health insurance, there is still a large proportion of people who are not covered by insurance. As shown in the chart, more than half of all medical expenses are reimbursed by social security at less than 50 percent.

If you want to know more about social security and commercial insurance, you can take another look at this article social security health insurance how to use? An article that teaches you the process of applying for reimbursement!