Do you still need to buy millions of medical insurance if you have social security?

With social security, do you still need to buy millions of medical insurance?

Even if you already have social security, it is still necessary to buy millions of medical insurance. Because social security and millions of medical insurance are different in coverage, reimbursement ratio and reimbursement amount. Social security mainly provides basic medical security, while millions of medical insurance can provide more comprehensive protection on a larger scale.

First, the difference between social security and millions of medical insurance

1. coverage: social security mainly covers basic medical expenses, such as outpatient service and hospitalization. Millions of medical insurance usually covers a wider range of medical expenses, including special diseases, intensive care, overseas medical care and so on.

2. Reimbursement ratio: the reimbursement ratio of social security is usually low, generally between 50% and 80%, with a deductible line and a cap line. The reimbursement rate of millions of medical insurance is usually higher, even reaching 100%.

3. Reimbursement amount: the reimbursement amount of social security is limited, which is generally difficult to meet the needs of major diseases or long-term treatment. The reimbursement amount of millions of medical insurance is usually very high, which can reach millions or even higher.

Second, the advantages of millions of medical insurance

1, more comprehensive protection: Millions of medical insurance can provide more comprehensive medical protection, cover a wider range of medical expenses and reduce the economic burden of individuals and families.

2. Higher reimbursement ratio and amount: Millions of medical insurance can provide higher reimbursement ratio and amount, reduce personal out-of-pocket expenses and relieve economic pressure.

3. More flexible choice: Millions of medical insurance usually provides a variety of protection plans and options, which can be selected according to personal needs and budget.

Three, buy millions of medical insurance matters needing attention

1. Choose a regular insurance company: When buying millions of medical insurance, choose a regular insurance company and products to ensure the authenticity and legality of the guarantee.

2. Understand the insurance terms: read the insurance terms carefully before buying, and understand the key information such as the insured amount, deductible and waiting period.

3. Choose the amount of insurance according to the demand: When purchasing, choose the appropriate amount of insurance according to the needs of individuals and families to ensure adequate protection.

To sum up:

Even if you already have social security, it is still necessary to buy millions of medical insurance. Because social security and millions of medical insurance are different in coverage, reimbursement ratio and reimbursement amount. Buying millions of medical insurance can provide more comprehensive medical insurance and reduce the economic burden of individuals and families. When choosing to buy millions of medical insurance, you should choose regular insurance companies and products, understand the insurance terms, and choose the appropriate amount according to your own needs.

Legal basis:

Article 28 of the Social Insurance Law of People's Republic of China (PRC) stipulates that medical expenses that meet the basic medical insurance drug list, diagnosis and treatment items, medical service facilities standards and emergency rescue shall be paid by the basic medical insurance fund in accordance with state regulations. In addition, according to the provisions of Article 30 of the Law, the following medical expenses are not included in the scope of payment by the basic medical insurance fund: (1) those that should be paid by the industrial injury insurance fund; (2) It shall be borne by a third party; (three) shall be borne by public health; (4) Go abroad for medical treatment. Therefore, for medical expenses beyond the scope and proportion of social security reimbursement, individuals need to bear certain economic pressure. Buying millions of medical insurance can alleviate this pressure to some extent.