Can social security and commercial insurance be reimbursed repeatedly?

Both social security and commercial insurance are products to protect future risks, but social security is public welfare, while commercial insurance is not good for the people in business. But in this case, which is better, medical insurance or millions of medical insurance? Can social security and commercial insurance be reimbursed repeatedly? Let's look at this problem.

1. Can social security and commercial insurance be reimbursed repeatedly?

Yes, absolutely. Many product types can be reimbursed repeatedly.

1, critical illness insurance: after the medical insurance reimbursement in social security is completed, if diseases in commercial critical illness insurance are involved, a large sum of money can be paid in one lump sum after meeting the standard requirements without conflict;

2. Micro-medical insurance: Social insurance has a certain threshold fee, and the reimbursement rate is less than 100%, and the employee's medical insurance reimbursement rate is about 70%, which cannot be compensated by out-of-pocket drugs. These can be supplemented by small hospitalization medical insurance;

3. Accident insurance: Social security can settle claims for non-third party accidents. If you buy death and disability benefits in commercial accident insurance, you can pay as much as you buy;

4. Term life insurance: Except social insurance for work-related injuries, other deaths cannot be compensated, but commercial term life insurance is possible. As long as you die once, no matter how many life insurances you buy, you can get multiple compensations.

2. Which is better, medical insurance or millions of medical insurance?

1. From the perspective of the stability of renewal, medical insurance is a public welfare product, which can be renewed for life. Urban and rural residents' medical insurance payment 1 year can be renewed as long as it is not interrupted, and employees' medical insurance is more perfect. Generally, as long as you pay for more than 25 years, you don't have to pay after retirement and enjoy medical insurance benefits for life;

In contrast, millions of medical insurance is much inferior. Commercially, the longest renewal period of this kind of insurance is 20 years. After 20 years, it is necessary to re-examine the update. If you are in poor health, it is possible to renew your insurance. From the perspective of renewal, it is better to choose medical insurance or million medical insurance. Medical insurance is more inclusive and is the basic choice.

2. From the threshold of insurance: medical insurance is not limited to age, occupation and health status at the time of insurance, even if it is a serious illness. The insurance threshold is quite low, but millions of medical insurance limits your age, occupation and health status, and generally you refuse insurance when you are seriously ill, and the standards required for all aspects of your body are relatively high;

3. Realistically speaking, there are restrictions on medical insurance (up to 300,000 a year in many cities, depending on different regions), the scope of reimbursement (no reimbursement for self-funded drugs with small side effects) and the proportion of reimbursement (less than 100%). Therefore, in this case, the high medical expenses (at least 2 million) need to be supplemented by millions of medical insurance, and the compensation ratio has reached 100%. As long as self-funded drugs are reimbursed by social security, self-funded drugs are reasonable and necessary.

In order to enhance the competitiveness of products, many products also cover the protection of hospitalization advance payment, hospitalization self-payment, outsourcing drugs and so on.

Can social security and commercial insurance be reimbursed repeatedly? The content analysis of which is better, medical insurance or millions of medical insurance, is introduced here. I hope it will help everyone. Generally speaking, social security and commercial insurance can be reimbursed repeatedly, with little conflict, but medical insurance and millions of medical insurance belong to a golden match, and it is generally better to insure together.