Can I apply for social security after I apply for commercial insurance?

Commercial insurance is a supplement to social security, and there is no conflict between them. Under normal circumstances, when medical expenses occur, you should apply for social security reimbursement first, and then apply for commercial insurance compensation according to the specific situation. Social security can reimburse some outpatient and hospitalization expenses, but generally it cannot be fully reimbursed, and the reimbursement ratio will be different according to different situations. Commercial insurance is different. Cost-compensated commercial insurance can reimburse reasonable medical expenses that cannot be reported by social security. Payment-oriented commercial insurance can pay insurance money in one lump sum as long as the diseases stipulated in the insurance contract are diagnosed. Article 14 of the Insurance Law of People's Republic of China (PRC), individual accounts shall not be withdrawn in advance, and the bookkeeping interest rate shall not be lower than the bank time deposit interest rate, and interest tax shall be exempted. If an individual dies, the balance of the individual account can be inherited.

Legal objectivity:

People's Republic of China (PRC) Insurance Law Article 2 Insurance as mentioned in this Law refers to the commercial insurance behavior in which the applicant pays the insurance premium to the insurer according to the contract, and the insurer is liable for the property losses caused by the possible accidents agreed in the contract, or when the insured dies, is disabled or sick, or reaches the age and time limit agreed in the contract.