Which is better, social security or Ping An commercial insurance?

Commercial insurance and social insurance are complementary, and social insurance cannot replace commercial insurance. Want to know the specific content, take a look at this article. How to use social security medical insurance? 1. Teach you how to apply for reimbursement!

It is best to have both if you have the ability, and give priority to social security if you have insufficient economic ability. As we all know, social security is our most basic guarantee, and the content of five insurance covers all aspects of our lives. Take the medical insurance in the five risks as an example. Even if you are sick now, you can continue to apply for insurance in the second year, you can reimburse related medical expenses, and you can enjoy lifelong medical insurance after paying 15 years. But this does not mean that social security is enough, and its protection is still not enough. Commercial insurance is needed to supplement it. See below for details.

Below, let's take medical insurance as an example to discuss the difference between social security and commercial insurance in terms of coverage and strength.

1, differences in security content

In this regard, many things that are not covered by social medical insurance are covered by commercial medical insurance. Commercial medical insurance can cover out-of-hospital medical expenses, first-aid expenses, rehabilitation expenses and other medical expenses, but it is not responsible for these social medical insurance, that is, it is not in the social medical insurance coverage.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. For example, pharmacologists have developed many cancer-specific drugs with relatively small side effects and high curative effects, but the prices of these drugs are 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.

Because of its welfare, social security has a relatively low premium, and its security and reimbursement scope are also relatively low. 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. It can be seen that if we rely solely on social medical insurance and face more serious diseases, such protection 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 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!