Subjectivity of law:

When you use social security reimbursement for medical treatment, you need to bear the part that exceeds the ceiling, and commercial insurance can solve this problem well. First of all, for the supplementary medical insurance of enterprises, the insurance premium is controlled within 4% of the salary, so the way and nature of reimbursement are actually similar to the medical insurance part of social insurance, which is equivalent to the fact that enterprises have taken out some money to buy more medical insurance for you and provide you with medical security in more medical projects and to a greater extent. The specific reimbursement amount and items are determined when the enterprise buys supplementary medical insurance for you, and the reimbursement is carried out according to the relevant rules. For commercial medical insurance, it depends on what kind of medical insurance you buy. At the time of purchase, there will be corresponding provisions in your insurance policy contract, such as how much your premium is, the scope of reimbursement, the amount of reimbursement, and the way in which the insurance company pays compensation. This requires you to know as much as possible about the relevant situation before choosing to buy a commercial insurance. Generally speaking, supplementary medical insurance is a form of insurance that provides more protection for the insured in a larger scope, so that the insured can get more compensation and avoid more economic losses when medical expenses occur. From a personal point of view, we can be more inclined to get more medical insurance when we apply for insurance. Premium is not a problem. It is what we need to provide adequate insurance. Second, can medical insurance and commercial insurance be reimbursed at the same time? Social insurance and commercial insurance reimbursement: segmented reimbursement: first go to social security reimbursement, and then report the rest of social security reimbursement to commercial insurance companies. 1. Social insurance is a compulsory insurance required by the state. The state develops social insurance undertakings, establishes a social insurance system and a social insurance fund, with the aim of enabling workers to get help and enjoy insurance benefits in cases of old age, illness, work injury, unemployment and maternity. China's "Labor Law" and "Social Insurance Law" all clearly stipulate that it is the legal obligation of the employer to pay social insurance for workers, which obviously has the characteristics of national compulsion, and the employer shall not refuse to undertake this legal obligation under any excuse or reason. 2. Commercial insurance is generally a kind of commercial insurance for insurance companies, which has a certain commercial nature. Commercial insurance is a supplement to social security. Generally speaking, after paying the supplementary medical insurance, patients only need to bear 5%-3% of the expenses after being hospitalized. Due to local policy reasons, the supplementary medical insurance varies, and there is still an upper limit. 3. How much can commercial insurance be refunded? 1. Commercial insurance refers to a profit-making insurance form operated by concluding an insurance contract and operated by a specialized insurance enterprise. The commercial insurance relationship is a contractual relationship concluded voluntarily by the parties. The insured pays the insurance premium to the insurance company according to the contract, and the insurance company undertakes the liability of compensation for the property losses caused by the possible accidents agreed in the contract, or undertakes the liability of paying the insurance premium when the insured dies, suffers from disability, illness or reaches the agreed age and time limit. 2. There will be an agreed hesitation period after joining the insurance, usually 1 days. During the hesitation period, the parties can withdraw their insurance in full. 3. If you surrender early after the insurance hesitation period, there is a certain risk of loss. Usually, after the insurance hesitation period, the insurance company will refund the cash value of the policy. The cash value of a policy is generally lower than the premium paid. To sum up, the premium of supplementary medical insurance should be controlled within 4% of the salary, and you can be more inclined to get more medical insurance when you apply for insurance, and the premium is not a problem.