Commercial insurance and social security can be reimbursed at the same time, as follows:

1. As long as the compensation standards of the purchased social security and commercial insurance are met, they can be reimbursed at the same time;

2. Hospitalization medical expenses can be reimbursed with social security first, and then commercial insurance can be used to reimburse the portion not reimbursed by social security.

At present, the three catalogs of medical insurance clearly stipulate medication, services, and diagnosis and treatment items. As self-paid items gradually increase, the financial burden on each family becomes heavier and heavier. At this time, the advantages of commercial insurance can be highlighted. come out. Commercial insurance can reimburse for self-paid drugs that cannot be reimbursed by medical insurance, such as insulin interferon, etc.; commercial insurance has a certain degree of flexibility and can reasonably match the insurance amount according to the financial situation of the individual family. Not only can drugs within and outside the medical insurance drug catalog be reimbursed, but with the combination of medical insurance + commercial insurance, the reimbursement ratio can be greatly increased, and even full reimbursement can be achieved, reducing the financial burden on patients.

Legal basis: Article 28 of the "Social Insurance Law of the People's Republic of China"

Comply with the basic medical insurance drug catalog, diagnosis and treatment items, medical service facility standards, and emergency, The medical expenses for rescue shall be paid from the basic medical insurance fund in accordance with national regulations.

Article 29

The part of the medical expenses of the insured persons that should be paid by the basic medical insurance fund shall be settled directly between the social insurance agency and the medical institution and pharmaceutical business unit .

The social insurance administrative department and the health administrative department should establish a medical expense settlement system for medical treatment in other places to facilitate insured persons to enjoy basic medical insurance benefits.