With social security, is it worth buying commercial insurance?

Commercial insurance and social insurance are complementary, and social insurance cannot replace commercial insurance. About the specific introduction of the difference between commercial insurance and social insurance, how to use social insurance in this article? 1. Teach you how to apply for reimbursement!

Next, let's look at the difference between social security and medical insurance through medical insurance.

1, ensuring that the contents are not completely coincident.

The insurance liability of commercial medical insurance is greater than that of social medical insurance. Medical expenses such as registration fees, out-of-hospital consultation fees and medical records fees, as well as the expenses of medical equipment and medical materials such as artificial eyes, prostheses and hearing AIDS, are not covered by social medical insurance, but the coverage of commercial medical insurance can cover these expenses.

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. Such a good life-saving drug is often not covered by social security drugs. For many cancer patients who have not purchased commercial medical insurance, this targeted drug can only be abandoned because of the cost.

2. The reimbursement amount is different.

The reimbursement rate of commercial medical insurance above the deductible line can usually reach 100%, while the reimbursement rate of social medical insurance with national welfare is much lower than 100%. If it belongs to the type of treatment in different places, the reimbursement ratio of social medical insurance will be relatively low. 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.

Regarding the similarities and differences between commercial insurance and social insurance in other aspects, you can look at this article again.