Because general medical insurance can only reimburse drugs in the social security catalogue, if you encounter serious illness, many specific drugs are not covered by medical insurance reimbursement, so you can only pay for them yourself.
However, commercial medical insurance will have a wider reimbursement scope and provide high-quality medical services, so it is more likely to cure diseases.
In addition, medical insurance is not reimbursed 100%, and there are deductible lines and capping lines. If commercial medical insurance is used as supplementary reimbursement, the proportion will be greatly increased and the economic pressure will be reduced.
For example, millions of medical insurance combined with medical insurance will provide much greater protection for serious illness. For specific products, please check the list compiled by Dad. "The list of millions of medical insurance is coming. Who should I choose for the million-dollar guarantee? 》
Generally speaking, although commercial medical insurance has more restrictions than medical insurance, it still needs to be configured because it is superior in coverage.
For more insurance-related questions, you can click on the link in the text to scan the code to consult this father ~