With social security, do you still need to buy commercial insurance?

Need. Why do you need it? After reading this article, "With social security, do you still need to buy commercial insurance? , you will know!

Social security is a part of China's security system. In order to ensure people's health, we can also see that the insurance is too comprehensive, too wide and too deep or the welfare is not enough. Among the five risks, we are less exposed to work-related injuries and unemployment, and there are certain stage restrictions on maternity and pension. We have the most contact with medical treatment and are also the most widely used. Take medical insurance as an example, there are many benefits, and there are also places that commercial insurance can't compare. But it also has shortcomings, and commercial insurance makes up for this one well.

The scope of medical insurance reimbursement is very wide, but there are also many restrictions. No payment is made below the deductible line, no payment is made above the capping line, no reimbursement is made within the scope of self-expense, and the rest is reimbursed in proportion. According to different places, the deductible line is 300- 1800, and the capping line is10-300,000. In other words, the payment for medical treatment in the hospital does not exceed the deductible line, and medical insurance is not reimbursed, but the payment exceeds the capping line. Special drugs and imported drugs are within the scope of self-funded content and are not reimbursed.

As for commercial insurance, it covers imported drugs and specific drugs. In addition, it will compensate you for the loss of income during your illness, as well as hospitalization subsidies, with a wider scope of reimbursement and a higher amount of reimbursement.

If you don't have insurance, you can consult with a third-party consulting platform, rather than spend a little money. The insurance consulting platform recommended Bababao, which has covered popular Internet platforms such as WeChat official account, Zhihu, Weibo, Tik Tok, Xiaohongshu, etc. It has a huge user base of 1 10,000+and increasing Internet exposure, and provides third-party professional and objective insurance consulting and protection scheme customization services for many users.