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, the embodiment of safety content
Compared with the content of commercial medical insurance, the content of social medical insurance can be said to be dwarfed. For example, social medical insurance does not cover the medical expenses caused by out-of-hospital consultations and ambulance calls, but these are all covered by commercial medical insurance.
As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. Like cancer treatment, many imported specific drugs are not covered by social security reimbursement, and the cost is high. For example, Kelida, which treats lung cancer, costs more than 50,000 yuan per month. However, these imported specific drugs often do not belong to 1.4% social security drugs, but belong to the coverage of commercial medical insurance. If you don't buy commercial insurance, you can only give up this life-saving medicine.
2. The reimbursement amount is different.
Social medical insurance with national welfare is not as high as commercial insurance because it has to take care of the citizens participating in the insurance nationwide. If it is treated in different places, the reimbursement will be smaller than that of local treatment. Obviously, if there is no commercial medical insurance supplement, if you are seriously ill, social medical insurance will not play much role. As shown in the figure, more than half of the medical expenses and less than 50% of the social security reimbursement.
If you want to know more about social security and commercial insurance, you can read this article How to Use Social Security and Medical Insurance. 1. Teach you how to apply for reimbursement!