I have social security and commercial insurance. Sorry, I'm sick in the hospital. How can I accompany two risks?

Commercial insurance and social security are complementary. To buy social insurance, you must buy commercial insurance. For a more detailed explanation, please see how to use social security and medical insurance. 1. Teach you how to apply for reimbursement!

Generally, social security is used for reimbursement first, and commercial medical insurance can be used for reimbursement if there is still money after reimbursement. The subject doesn't seem to understand the difference between social security and commercial insurance. You can learn more about the reimbursement content.

Let's take commercial medical insurance and social medical insurance as examples to explain why social insurance cannot replace commercial insurance.

1, differences in security content

In this regard, many things that are not covered by social medical insurance are covered by commercial medical insurance. For example, the fees for service items such as registration fees, consultation fees outside the hospital, and medical expenses for examination and treatment items using large medical equipment such as positron emission tomography (PET) and electron beam CT are not included in the social medical insurance coverage. However, commercial insurance can cover these contents.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. For example, pharmacologists have developed many cancer-specific drugs with relatively small side effects and high curative effects, but the prices of these drugs are relatively high. For example, Kelida, which treats lung cancer, costs more than 50,000 yuan per month. Such a good life-saving drug is often not covered by social security drugs. For many cancer patients who have not purchased commercial medical insurance, this targeted drug can only be abandoned because of the cost.

2. The reimbursement amount is different.

Social medical insurance with national welfare is not as high as commercial insurance because it has to take care of the citizens participating in the insurance nationwide. If you get sick and seek medical treatment in a different place, even if social medical insurance can be reimbursed, the reimbursement rate will be lower. Therefore, if you only buy social medical insurance and don't buy commercial medical insurance, there is still a large part of it that is not covered by insurance. As shown in the figure, more than half of the medical expenses and less than 50% of the social security reimbursement.

For other analysis on the differences and connections between commercial insurance and social security, please refer to how to use social security medical insurance. 1. Teach you how to apply for reimbursement!