There is no social security and new rural cooperative medical system, only commercial medical insurance reimbursement?

Social insurance is not a substitute for commercial insurance, and the protection provided by commercial insurance is beyond the reach of social insurance, so buying social insurance also requires commercial insurance. If you want to know more, please read this article. How to use social security and medical insurance? 1. Teach you how to apply for reimbursement!

If it reaches the scope of reimbursement by insurance companies, it can be reimbursed regardless of whether there is medical insurance or not, but it is still recommended to buy the new rural cooperative medical system first, and the scope of reimbursement will be larger. Generally, the new rural cooperative medical system will be used first, and there is still money to be reimbursed after reimbursement, which can be reimbursed by commercial medical insurance. The subject doesn't seem to understand the difference between social security and commercial insurance. You can learn more about the reimbursement content.

Below, we take social medical insurance and commercial medical insurance as examples to talk about the difference between social security and commercial insurance.

1, different contents of insurance liability

Although there is some overlap between commercial medical insurance and social medical insurance, the content of commercial medical insurance is far broader than social medical insurance. For example, social medical insurance does not cover the medical expenses caused by out-of-hospital consultations and ambulance calls, but these are all covered by commercial medical insurance.

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. 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.

The above are just some differences between commercial insurance and social insurance in medical insurance. Other differences, interested friends can see what good medical insurance recommendations are there? 20 Best-selling Medical Insurance Inventory in 2020