What is commercial supplementary medical insurance?

1. What is commercial supplementary medical insurance?

Commercial supplementary medical insurance is relative to basic medical insurance. Insurers sign contracts with insurance companies according to their own wishes, which is a supplement to basic medical insurance. Generally, such insurance products can be divided into two categories, one is individual medical insurance and the other is group medical insurance. Commercial supplementary medical insurance is the insurance that consumers sign with insurance companies according to their different medical needs. This kind of insurance product can expand the coverage, meet the personalized medical security needs of different consumer groups, and improve people's ability to resist risks. In addition to basic medical insurance, some people also hope to get a higher level of medical expenses subsidies and some services and guarantees related to their own health. Therefore, with the improvement of living standards, more and more people begin to pay attention to commercial supplementary medical insurance.

Second, the scope of reimbursement of commercial supplementary medical insurance

Generally speaking, the scope of commercial supplementary medical insurance is as follows, the first is supplementary medical insurance. After consumers are reimbursed for medical insurance when they leave the hospital, the remaining medical expenses need to be deducted from a certain deductible agreed in the contract, and then they can be reimbursed according to different proportions. Secondly, the high supplementary medical insurance premium. If the consumer has not been reimbursed by medical insurance when he leaves the hospital, and the actual expenditure exceeds the maximum amount of large medical expenses subsidy, then this part can be reimbursed according to the proportion of 90%. Moreover, many parts of commercial supplementary medical insurance cannot be paid, such as outpatient service, emergency service, out-of-hospital consultation and some self-funded facilities. Commercial supplementary medical insurance mainly reimburses the remaining part after social security reimbursement settlement.

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