What are the benefits of commercial health insurance?

First, improve the level of protection on the basis of "basic protection"

The basic social medical insurance is not reimbursed according to a certain proportion, and the reimbursement ratio is only maintained at the level of basic protection. Therefore, the "basic guarantee" of social basic medical insurance has left more guarantee space for commercial health insurance. For example, commercial health insurance can reimburse the proportion of personal out-of-pocket payment and the part of medical expenses exceeding the top line stipulated in social security (including the part of personal out-of-pocket payment below outpatient and inpatient qifubiaozhun), and the part of overall fund that needs personal out-of-pocket payment in proportion, and the part of large-scale outpatient and inpatient medical expenses that needs personal out-of-pocket payment in proportion according to insurance responsibility.

second, it is applicable to the floating population on the basis of "wide coverage"

The insurance of commercial insurance is based on the principle of "equivalent exchange of more investment and more insurance, less investment and less insurance, and no investment and no insurance", which follows the risk transfer contract between individuals and commercial insurance companies, and the stipulated responsibilities and obligations do not change with the personal time and space transfer, employment relationship and household registration. In terms of changing the contract details, commercial health insurance is more portable than the entry and exit procedures related to social basic medical insurance.

Third, the commercial attribute helps to achieve "sustainability"

Commercial health insurance has the commercial attribute of realizing profit, and pursues the coordinated optimization of commercial benefits and social benefits in its development. Therefore, the cost management is helpful for the relevant government departments to solve the problem of large financial expenditure in the current social basic medical security system. Mainly manifested in: commercial health insurance has professional actuarial data analysis and risk management and control capabilities. Compared with ordinary life insurance, health insurance, combined with specialized health management services, can collect the basic data of health insurance more comprehensively, and formulate different rate standards according to different levels of risk factors.

Fourth, the service quality and level have comparative advantages

Under the background of the new medical reform policy, people's medical expenses can be partially compensated, and their demand for health protection and management is stronger. At present, the main health management methods of commercial health insurance include: pre-diagnosis health guidance (including health consultation), health check-up service (including health risk assessment), family doctor in treatment, disease management (including chronic disease management), convenient treatment service (including green channel for diagnosis and treatment), rehabilitation nursing service after treatment and third-party management service. Through the above health management means, for customers, the incidence of diseases can be reduced and the quality of life can be improved.

Further reading: How to buy insurance, which is better, and teach you how to avoid these "pits" of insurance.