Do I need to buy other commercial critical illness insurance after purchasing Shenzhen 20 yuan Social Security for Critical Illness?

The basic design principles of medical insurance are low level, wide coverage and low security intensity. In the basic social medical insurance, employees and retired employees could have reimbursed a certain proportion of medical expenses for serious illness through the overall fund. Serious illness insurance is mainly a supplementary guarantee for ordinary residents and users of the new rural cooperative medical system. However, the critical illness insurance has set some restrictive conditions, such as the minimum payment standard, reimbursement ratio, capping line, etc., which cannot completely cover the individual's expenses for treating critical illness. The principle of commercial critical illness insurance claims is "once diagnosed", and you can apply for "reimbursement afterwards" without invoices, which can provide sufficient economic support for early treatment of patients and their families and is conducive to early treatment of patients. So it is necessary to buy commercial critical illness insurance.

The above is the exclusive answer to you from Hong Kong Financial Network. More information about commercial critical illness insurance can be found in official website.