The company has given social security, do I still need to buy commercial insurance?

Commercial insurance and social security are complementary. To buy social insurance, you must buy 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!

Both social insurance and commercial insurance include medical insurance, so here, let's compare social medical insurance and commercial medical insurance and briefly talk about the differences between them.

1, insurance liability difference

The insurance liability of commercial medical insurance is greater than that of social medical insurance. For example, the coverage of social medical insurance does not include the examination and treatment items using large medical equipment such as electron beam CT and ophthalmic excimer laser therapeutic apparatus, while the coverage of commercial medical insurance can include the expenses incurred by using these large medical equipment for examination and treatment.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. For example, cancer treatment, many kinds of cancer are now treated with specific drugs, but many of them need to be imported and the cost is relatively high. For example, Kelida, which treats lung cancer, costs more than 50,000 yuan per month. Unfortunately, this specific drug is not a social security drug and cannot be reimbursed. The family income of many cancer patients is not enough to pay such a high drug fee.

2. The reimbursement amount is different.

Social medical insurance, as a welfare given by the state to citizens, has a much lower reimbursement rate than commercial medical insurance. If you receive treatment in a different place, even if medical insurance can be reimbursed, the reimbursement ratio will usually be reduced. Without commercial medical insurance, only social medical insurance is not enough to resist risks. 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.