The medical insurance of insurance companies belongs to compensation insurance. No matter how many insurance companies you buy, reimbursement will never exceed the total cost you spend.

In addition, each company has a deductible amount, which is the threshold fee, which will be deducted when reimbursing. In addition, commercial insurance companies will not reimburse the amount outside the social security medical reimbursement catalogue.

Extended data medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation.

The establishment and implementation of the basic medical insurance system has gathered the economic strength of units and social members. With the government's funding, sick social members can get necessary material help from the society, reduce the burden of medical expenses, and prevent sick social members from "poverty due to illness".

Reference medical insurance (noun) Baidu Encyclopedia