Is it better to pay commercial insurance or pay social security is appropriate for people after 80?

Social insurance and commercial insurance is not a substitute relationship, commercial insurance has social insurance can not be replaced by the role of protection, even if you buy social security, it is still necessary to buy commercial insurance. Want a more in-depth understanding of the relationship between the two of them and the difference, come to see this article social security health insurance how to use? An article to teach you the process of applying for reimbursement!

Social security, as we all know, is our most basic protection, and the content of the five insurance coverage encompasses all aspects of our lives. To five insurance in the medical insurance, for example, even if you are now sick, the next year can continue to be insured, you can reimburse the relevant medical expenses, pay enough for fifteen years after you can also enjoy a lifetime of medical insurance protection. But this is not to say that there is social security is enough, its protection is still not quite enough, you need to use commercial insurance to supplement, you can look down below.

Below, we will take the medical insurance to say that social security and commercial insurance in the scope of coverage and coverage of what is different, right?

1, the difference in the content of the coverage

In this regard, many of the social health insurance does not cover the content of the commercial health insurance are covered. For service items, such as registration fees, out-of-hospital consultation fees; diagnostic and treatment equipment and medical materials, such as the installation of prosthetic eyes, prosthetic limbs; and some treatment items, such as other organs or tissues other than kidney, blood vessels, bone, bone marrow transplantation, etc., the cost of transplantation, the social health insurance are not covered, but are covered by commercial medical insurance.

The types of drugs that can be reimbursed by social security, as shown in the chart below, are also very limited. Like in the treatment of malignant tumors, nowadays there are a lot of effective and less side-effects, but the price is expensive special-effective drugs, such as the treatment of lung cancer of the Koraida, the average monthly cost of more than 50,000 yuan. However, this kind of imported special-effective drugs usually do not belong to the scope of social security, for cancer patients who do not have commercial medical insurance as a supplement, they can only choose to take traditional anti-cancer drugs.

2, the amount of reimbursement is different

The welfare nature of social security also makes it impossible to reimburse the proportion as high as commercial medical insurance. Each region's social security will be different, for foreign treatment, even if you can be reimbursed through the health insurance, the reimbursement rate will be greatly reduced. Thus, without commercial health insurance, social health insurance does not play a significant role in the case of more serious illnesses. As shown in the chart, more than half of the medical expenses are reimbursed by social security at less than 50 percent.

For other analysis of the differences and links between commercial insurance and social security, see How does social security health insurance work? An article that teaches you the process of applying for reimbursement!