Dear moms and dads, is it necessary to buy commercial medical insurance for your child?

It is necessary to buy commercial medical insurance for your child if your family is in a position to do so. Commercial medical insurance can be used as a supplement to social security medical insurance, which can bring us better medical protection. So what is the difference between commercial medical insurance and social insurance? What are the benefits of commercial medical insurance for children? Let's take a look!

A. What is the difference between commercial medical insurance and social medical insurance?

The difference between social health insurance and commercial health insurance is mainly reflected in the following aspects:

1, the basic attributes of the two are different.

Mandatory social health insurance is a public welfare undertaking, with mandatory, all types of employers must participate in the insurance according to law. Commercial medical insurance is commercial in nature, for the purpose of profit, not with mandatory, mainly by the insurance company's business reputation to win customers.

2, the two reimbursement scope is different.

Social health insurance coverage is particularly broad, but its reimbursement restrictions are particularly high. To summarize, there are four: the starting line will not be reported, the ceiling line will not be reported, the individual out-of-pocket expenses will not be reported, the individual out-of-pocket expenses will not be reported.

What commercial medical insurance can do is precisely to reimburse the part of the medical insurance can not be reimbursed, is a good supplement to the medical insurance, such as medical insurance can not be reimbursed for out-of-pocket expenses, special outpatient services, imported medicines, some of the cost of treatment, etc., most of the commercial medical insurance market can be reimbursed.

3, the two insurance premiums are raised differently.

The former is borne by the state, the unit, the individual, the individual in accordance with a certain percentage of wages in the form of insurance premiums, the burden is less. In the latter case, the cost is borne entirely by the insured, with no sharing by the State or the organization.

4, different conditions for participants to participate in insurance.

The former conditions of participation in the insurance does not have any special provisions, both healthy and sick people can participate in the insurance. In the latter case, the conditions for enrollment are determined by the insurance company, and only those who have the conditions for enrollment will be accepted by the insurance company.

5, the two management systems are different.

The former is centrally led by the government and managed by local health insurance organizations. The latter is led by financial institutions, by commercial insurance companies, insurance companies as a relatively independent economic entity, the implementation of self-management, self-financing accounting system.

2. What are the benefits of purchasing commercial medical insurance for children?

1, cost-effective

One of the biggest features of the existing commercial medical insurance lies in the cost-effective, especially the millions of medical insurance, low premiums, high coverage known.

2, a wide range of coverage

Commercial medical insurance coverage is very wide, in addition to the protection of general hospitalization of disease, often the accident caused by the medical costs will also have protection. It can effectively supplement the social security.

3, effectively spread the risk

The probability of a child getting sick and injured is much higher than that of an adult due to many reasons such as mobility and naughtiness, lower immunity at a younger age, so insuring them with commercial medical insurance can effectively spread the risk and prevent illnesses from causing great harm to the family.

So, if your family's condition permits, insuring your children with commercial medical insurance can be a supplement to social security, further spreading the risk effectively.