What's the difference between commercial medical insurance and social security? Do you have any good product recommendations?

Social security includes medical insurance, endowment insurance, maternity insurance, industrial injury insurance and unemployment insurance, while commercial medical insurance is similar to medical insurance, which compensates and reimburses the medical expenses incurred by the insured, but there are great differences, mainly in the scope of protection, reimbursement ratio and expenses.

The role of medical insurance is that when you are sick, the state will help you reimburse part of it and reduce your medical burden. For example, outpatient medical treatment, hospitalization surgery, and serious illness treatment can all receive medical insurance reimbursement. Whether you come from rural areas or towns, have a job or not, or even just born, you can buy medical insurance. Even if you are sick or old, you can also participate in insurance. Therefore, medical insurance is the most basic welfare guarantee given to people by the state. But there are many restrictions on medical insurance reimbursement. Only the expenses above the deductible line and below the bottom line are reimbursed, the excess or deficiency needs to be reimbursed at their own expense, and the middle part is not fully reimbursed, so the role of commercial medical insurance is highlighted. Become a powerful supplement to medical insurance. The better one on the market is spark insurance commercial medical insurance, with high coverage and reimbursement of several million yuan. Not restricted by the medical insurance catalogue, self-funded drugs and imported drugs can also be reimbursed.