Can social security and commercial insurance be reimbursed at the same time?

Commercial medical insurance can be reimbursed together with social security, because commercial medical insurance is different from general medical insurance. Units and individuals voluntarily participate and pay insurance premiums according to a certain amount. In case of serious illness, you can get certain medical expenses from the insurance company, which does not conflict with social security and can apply at the same time. When these two kinds of insurance are reimbursed, medical insurance is generally reimbursed first, and then you can apply for commercial medical insurance claims. Legal basis: Article 14 of the Insurance Law of People's Republic of China (PRC): After the insurance contract is established, the applicant pays the insurance premium according to the agreement, and the insurer begins to assume the insurance liability according to the agreed time. "Detailed Rules for the Implementation of the Social Insurance Law of People's Republic of China (PRC)" Article 8 If the medical expenses incurred by the insured in the agreed medical institutions meet the standards of the basic medical insurance drug list, diagnosis and treatment items and medical service facilities, they shall be paid by the basic medical insurance fund in accordance with state regulations. If the insured really needs emergency treatment and rescue, he can seek medical treatment in a non-agreement medical institution; The scope of drugs that must be used for rescue can be appropriately relaxed. The specific measures for the administration of emergency and rescue medical services of the insured shall be formulated by the overall planning area according to the local actual situation.

Commercial medical insurance is a supplement to social security. Medical insurance in social security can only reimburse outpatient and hospitalization expenses, and other expenses cannot be reimbursed. What about the rest of the expenses? At this time, if you buy commercial insurance, the part of social security that is not reimbursed by medical insurance can be reimbursed to the insurance company. So both can be reimbursed at the same time.

Under normal circumstances, commercial insurance companies will pay the compensation in the contract in one lump sum, and how to use the money is up to you. We should also understand that medical insurance reimbursement follows the principle of compensation. Simply put, no matter how much insurance you buy, the insurance premium you pay will not exceed the actual medical expenses. Commercial medical insurance will reimburse the corresponding proportion according to the contract, so it should be planned reasonably according to its own situation when insuring. Please don't blindly insure.