What is the difference between medical insurance in social security and commercial medical insurance?

Many friends will ask: "I have bought social security, I have health insurance, so what is the difference between commercial medical insurance and medical insurance in social security?" The difference between the two, mainly reflected in the following aspects:The basic attributes of the two are different. Compulsory social health insurance is a public welfare, with mandatory, all types of employers must participate in the insurance according to law. Commercial medical... Want to know more about the social security in the medical insurance and commercial medical insurance where the difference between the two knowledge, follow me together to see it.

Many friends will ask: "I have bought social security, I have health insurance, so what is the difference between commercial medical insurance and medical insurance in social security?"

The difference between the two, mainly reflected in the following aspects:

First, the basic attributes of the two are different.

Compulsory social health insurance is a public welfare, with mandatory, all types of employers must participate in the insurance according to law. Commercial medical insurance is commercial in nature, not mandatory.

The two insurance coverage is different.

The former insurance coverage is broader, not only to protect the "big disease", but also to protect the "small disease", not only to compensate for the hospitalization costs of the insured, but also to compensate for their outpatient costs. The latter's insurance coverage is relatively small, and generally only provides a certain amount of compensation for hospitalization costs for the diseases covered by the insurance.

Three, the two insurance systems offer different benefits to the insured.

The former is generally in accordance with a certain percentage of the medical expenses to be compensated, the amount is not fixed, not entirely based on the individual insurance costs, with the nature of social relief; and the latter is generally in accordance with a certain amount of compensation, the amount of compensation has a fixed or a certain range, the insurance is the insurance company according to the principle of the insurance of the large number of specific operations, with the nature of commercial relief. The nature of the insurance.

In practice, since social health insurance cannot compensate for all hospitalization expenses, commercial health insurance can be a useful supplement to social health insurance to make up for the difference in the loss of participants. According to the principle of compensation of medical insurance, the claim for medical expenses is based on the actual medical expenses as the maximum limit, and the commercial insurance company will pay the claim for the remaining medical expenses after the compensation of social medical insurance in accordance with the terms of the insurance.