You already have social medical insurance, but you still need to buy critical illness insurance? What's the difference between them?

Hello: Now many people have such questions. \x0d\ said: I have social security. Is it necessary to spend money on commercial medical insurance? On the other hand, some people go to the other extreme and buy a lot of commercial medical insurance, only to find that it is duplicate with the existing social security. Then, how should we design our own health insurance plan so as to spend less money and enjoy the greatest protection? \x0d\ Part I: Social security alone is not enough to see a doctor \x0d\\x0d\ According to the data of the Information Center of the Ministry of Health, the probability of a person suffering from a serious illness in his life is as high as 72%, and it is not terrible to get a serious illness. What is terrible is the huge medical expenses, because social security can't fully bear it. \ x0d \ x0d \ Commercial health insurance should also be considered when there is medical insurance \ x0d \ x0d \ Health is the capital of revolution, but many factors such as environmental pollution and mental stress make many people's health status worrying. In this regard, we must first prevent diseases and take care of our health; Second, you must be prepared so that you can see a doctor. However, in the face of the current medical situation of "difficult and expensive medical treatment", people find that even with social security, many medical expenses have to be paid out of their own pockets every time they are seriously ill. \ x0d \ x0d \ The current national conditions determine that our social medical security can only be "low level and wide coverage". This means that the medical insurance we enjoy faces many restrictions. The first is the limit of social security medical reimbursement. Simply put, it is "there is a threshold fee and a capping line". According to reports, the basic medical insurance pooling fund has a deductible line and a capping line for paying individual hospitalization medical expenses. Medical expenses below Qifubiaozhun and above the capping line shall be paid by personal account or cash. Social security only pays the expenses above Qifubiaozhun, below the maximum limit and within the scope of reimbursement in proportion. \x0d\\x0d\ followed by the limitation of reimbursement scope. Some drugs (new drugs, imported drugs, expensive drugs, etc.). ), as well as some medical treatment projects and medical service facilities, are not covered by social security and medical insurance reimbursement. For medical expenses caused by traffic accidents, social security and medical insurance are generally not reimbursed. In addition, the expenses that often occur during illness, such as nutrition expenses, nursing expenses, income loss, etc. , not included in the scope of reimbursement. \ x0d \ x0d \ Social security means giving money afterwards, while critical illness insurance in commercial insurance means giving money after diagnosis. If there is a serious illness, it can make up for the plight of many families who have no money to treat diseases; In addition, the compensation for the death of commercial insurance can often solve the life dilemma of the insured family. \ x0d \ x0d \ Commercial critical illness insurance generally has an exemption clause, so that the insured does not have to pay the subsequent premium in the event of an accident agreed in the contract, but the guarantee is still effective, and the premise of enjoying social security medical care is to pay the fee continuously and on time according to the regulations; \ x0d \ x0d \ It can be seen that social medical insurance is like a wooden door installed in urban families, which can provide basic security functions. However, for preventing family medical risks, this kind of protection alone is still thin. If you want to further improve the health protection ability of individuals or families, you need to install another iron gate-commercial health insurance. \ x0d \ x0d \ Commercial critical illness insurance should be considered for serious illness. \ x0d \ x0d \ generally there are three kinds of diseases: minor, moderate and serious. \ x0d \ x0d \ minor ailment is what we call headache and brain fever, which can be cured at a cost of 300 to 400 yuan, and the average family can afford it. Generally speaking, middle-aged diseases need hospitalization, and the cost generally ranges from 5,000 yuan to 1 10,000 yuan. Coupled with social security compensation, ordinary families can basically afford it. \ x0d \ x0d \ Serious diseases are all modern diseases, such as cancer, cardiovascular and cerebrovascular diseases, which directly threaten our health and life, cost a lot, lead to family economic collapse and even debt. Terrible is that with the increase of work pressure and the change of environment, serious illness is not far away from us: according to a data from the Information Center of the Ministry of Health, the probability of a person suffering from serious illness in his life is as high as 72%-shouldn't he prepare early under such a high probability? \ x0d \ x0d \ Part II: Different types of commercial medical insurance have different guarantees \ x0d \ x0d \ The function of commercial medical insurance is to supplement the deficiency of social medical insurance; Supplementary out-of-pocket part; Supplement medical expenses and social insurance outside the capping line, and pursue equality for all! Commercial insurance pursues customization! \ x0d \ x0d \ I hope the above analysis can help you.