Is there a deductible for social insurance?

● Social security contributions will increase every year, while commercial insurance contributions will remain unchanged.

● Social security pension has no beneficiary. If there is an accident in the middle, you may pay more than you receive. In any case, commercial insurance guarantees that more money is received than paid. Even if the specified number of years has not been reached, future generations can inherit a large amount of death insurance money.

● Social medical insurance cannot be free of premium. When a major illness occurs, social medical insurance needs to continue to pay, while commercial insurance has an exemption function, and the insurance company pays the remaining premium!

● Social medical insurance has limited liability, and there are many uninsurable liabilities, such as certain drugs (new drugs, imported drugs, expensive drugs, etc.). ) and some diagnosis and treatment items are not covered by reimbursement, traffic accidents, food poisoning, injuries caused by medical accidents or other responsibilities, and important organ transplants are not covered, while commercial insurance can guarantee reimbursement of 65,438+000%, and there is subsidized insurance.

● Social medical insurance is reimbursed afterwards (that is, it can only be reimbursed after discharge settlement), with deductible line (that is, the part below deductible line will not be reimbursed) and capped line (the excess part will be reimbursed according to a certain proportion). As long as the major diseases agreed in the contract are diagnosed, commercial insurance can be paid by the hospital's diagnosis certificate, no matter how many times it is paid, it will be paid to the insured, so that the insured can choose better medical equipment/drugs/services.

● Social endowment insurance can only meet the needs of subsistence allowances, and it is uncertain to receive it every year. If you die unexpectedly before receiving it, you can only get back the money, funeral expenses and pensions in your personal account, and there is no other compensation; The amount of commercial insurance is up to you. It must be so much. There are also bonuses to fight inflation and make you richer in your later years. Even if the insured dies, not only the remaining premium will be paid by the insurance company, but also the family can continue to receive the pension!

Specifically, the biggest difference is that social security is of a national welfare nature; Commercial insurance is private! The biggest difference between the two lies in the different scope of protection. Social security is complicated, and the degree of security varies greatly according to the specific situation, but it is insufficient in living security.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.