Does the child have medical insurance? What's the difference between commercial insurance and social insurance? Generally speaking, it is better to buy commercial insurance or social insurance.

Commercial insurance and social insurance are complementary, and social insurance cannot replace commercial insurance. If you want to know more about their connections and differences, just look at this article "Surprise! Some people say that social security can replace commercial insurance? What's the difference between social security and commercial insurance? 》

Give priority to social security. As we all know, social security is our most basic guarantee, and the content of five insurance covers all aspects of our lives. Take the medical insurance in the five risks 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. 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.

Next, let's look at the difference between social security and medical insurance through medical insurance.

1, differences in security content

The insurance liability of commercial medical insurance is greater than that of social 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. 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. Unfortunately, this specific drug is not a social security drug and cannot be reimbursed. The family income of many cancer patients is not enough to pay such a high drug fee.

2. The reimbursement amount is different.

Social medical insurance has a wide coverage and many people need to be taken care of. It can be said that there is not enough manpower and the reimbursement ratio will not be too high. If it belongs to the type of treatment in different places, the reimbursement ratio of social medical insurance will be relatively low. It can be seen that social medical insurance cannot replace commercial medical insurance, and the expenses for reimbursement of social medical insurance are very limited. 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. For other differences, interested friends can look at "With social security, don't you have to buy commercial insurance?" What's the difference between social security and commercial insurance? 》

Hope to adopt!

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Source: Xueba said that insurance official website