Commercial insurance and social security are complementary. To buy social insurance, you must buy commercial insurance. For a more detailed explanation, please see how to use social security and medical insurance. 1. Teach you how to apply for reimbursement!

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.

There are many differences between social insurance and commercial insurance. Let's take medical insurance as an example to briefly explain why commercial insurance can't replace social insurance.

1, the embodiment of safety content

Social medical insurance is far less comprehensive than commercial medical insurance in this respect. For example, social medical insurance can't reimburse the medical expenses arising from the organ source or tissue source of various organ or tissue transplants, while commercial medical insurance can cover the medical expenses incurred.

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. However, this medicine belongs to social security medicine. Without commercial insurance, most cancer patients can't afford these specific drugs.

2. The reimbursement amount is different.

The price of things with the word "welfare" is usually relatively low, and the content guarantee is relatively basic. The same is true of social medical insurance, with low premium and low reimbursement rate. Also, because of the treatment in different places, the proportion of social medical insurance reimbursement will be lower. 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.

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