What is supplementary commercial medical insurance?

Supplementary commercial insurance is a concept opposite to social insurance. It refers to the insurance form operated by specialized insurance enterprises for profit. Social insurance is the basic guarantee, and commercial insurance can further expand the scope of protection and supplement the places that social insurance cannot guarantee. Therefore, commercial insurance can be called supplementary commercial insurance. In addition, supplementary commercial insurance can be simply said that employers buy additional commercial insurance for employees on the basis of paying social security.

Commercial supplementary medical insurance is relative to basic medical insurance. Insurers sign medical insurance contracts with insurance companies according to their own wishes. Commercial supplementary medical insurance is not only a powerful supplement to basic medical insurance, but also an important part of multi-level medical security system. Supplementary medical insurance is divided into commercial supplementary medical insurance and social security.

For people who are suitable for purchasing commercial supplementary medical insurance, retirees are recommended first, because the characteristics of residents' medical insurance are wide coverage and low security. Generally, in the case of relatively affluent economic conditions, it is recommended that the elderly or retirees buy commercial supplementary medical insurance+hospitalization medical insurance to achieve more comprehensive risk prevention! There is a very important point here. The age of general commercial insurance is 59. If you are healthy, it is a good choice to buy commercial supplementary medical insurance. However, it is recommended to choose the insurance that guarantees renewal. To sum up, social security is characterized by large coverage, limited protection, and restrictions on deductible and reimbursement ratio. Commercial supplementary medical insurance can be used as a supplement in this respect, especially to provide a strong guarantee for personal critical illness insurance.

Commercial supplementary medical insurance can expand the coverage and improve the coverage level on the basis of basic medical insurance to meet the differentiated service needs of the people.

Four, the needs of some people and individuals outside the basic medical insurance, including not only a higher level of medical expenses compensation, but also some closely related to medical and health care or accompanied by strong security and service needs. The first is medical and health services, including medical convenience services (perioperative consultation, medical guidance, referral appointment, etc.). ).) Provide assistance and health management services (health consultation, chronic disease management, etc.) for the insured's medical difficulties. ).) to improve the health of the insured. The second is the claim for compensation for income reduction due to temporary or permanent sexual dysfunction and inability to work due to injury. Third, it is necessary to provide protection for the risks caused by accidental injuries. The above protection or services can be provided by commercial supplementary medical insurance.

To sum up, it is Bian Xiao's relevant answer about what is supplementary commercial medical insurance. I hope it will help you.

Legal basis:

Article 3 of the Measures for the Administration of Supplementary Medical Insurance for Enterprises

Supplementary medical insurance for enterprises adheres to the principle of connecting with the basic medical insurance system and reasonable burden.

Article 5

The supplementary medical insurance premium of enterprises is extracted from the cost by each unit according to 4% of the total payment of wages.

Article 6

The trade union of each unit shall organize the establishment of an enterprise supplementary medical insurance premium management account, which shall be stored in a special account, accounted for separately, and used as a whole for the Medicaid of its employees. The supplementary medical insurance premiums of enterprises must be earmarked for special purposes, and the annual balance shall be carried forward to the next year. No unit or individual may occupy or misappropriate them.