Why do many people prefer to buy commercial insurance rather than social security?

Compared with commercial insurance, the types and contents of social insurance can be said to be only the tip of the iceberg, so social insurance can't replace commercial insurance, only social insurance can be bought, and the degree of protection is very limited. Want to know the specific content, take a look at this article. How to use social security medical insurance? 1. Teach you how to apply for reimbursement!

Maybe you don't know much about social security. In fact, take medical insurance in social security as an example. Even if you are sick now, you can continue to apply for insurance in the second year, you can reimburse related medical expenses, and you can enjoy lifelong medical insurance after paying 15 years. This is something that commercial medical insurance cannot do. But this does not mean that social security is enough, and its protection is still not enough. Commercial insurance is needed to supplement it. See below for details.

There are many differences between social insurance and commercial insurance. Let's take medical insurance as an example to briefly explain why commercial insurance can't replace social insurance.

1, ensuring that the contents are not completely coincident.

In this regard, many things that are not covered by social medical insurance are covered by commercial medical insurance. For example, commercial medical insurance can cover the medical expenses of examination and treatment items due to the application of large-scale medical equipment such as positron emission tomography (PET) and electron beam CT, but social medical insurance cannot do this.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. Like many "magic drugs" for cancer treatment-targeted drugs, the effect of inhibiting cancer cells is very good, but the price is also high. For example, Kelida, which treats lung cancer, costs more than 50,000 yuan per month. There are many cancer-targeting drugs like Creda, which are not covered by social insurance. For cancer patients who have not bought commercial medical insurance and their family conditions are not very good, they can only give up this specific drug.

2. The reimbursement amount is different.

The reimbursement rate of social medical insurance is not high. Without commercial medical insurance as a supplement, its protection is far from enough. If it belongs to the type of treatment in different places, the reimbursement ratio of social medical insurance will be relatively low. Obviously, if there is no commercial medical insurance supplement, if you are seriously ill, social medical insurance will not play much role. As shown in the figure, more than half of the medical expenses and less than 50% of the social security reimbursement.

If you want to know more about the similarities and differences between social insurance and commercial insurance, please read this article.