What are the advantages of commercial health insurance compared with medical insurance?
Most people don't know much about commercial health insurance and social basic medical insurance. In this regard, what are the benefits of commercial health insurance compared with medical insurance? Details are as follows:
1, improve the level of security on the basis of "basic security"
Most people are not very clear about social basic medical insurance. The reimbursement of social basic medical insurance is not reimbursement, but reimbursement according to a certain proportion, and its reimbursement ratio will be maintained at the level of basic security. Therefore, social basic medical insurance is the "basic guarantee", which leaves more guarantee space for commercial health insurance. Therefore, most people will choose to buy a commercial health insurance as a powerful supplement to medical insurance.
2. Business attributes help to achieve "sustainability"
Commercial health insurance has the commercial attribute of realizing profit. With professional risk management and actuarial data analysis ability, it can solve the problem of large financial expenditure in the cost management of the current social basic medical security system.
3. Suitable for floating population on the basis of "wide coverage"
Social basic medical insurance is based on employees, which has certain stability for the people who buy it. Commercial health insurance is suitable for floating population. In addition, in changing the contract details, commercial health insurance is more portable than the entry and exit procedures related to social basic medical insurance.
4. 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 the demand for health protection and management is stronger. Commercial health insurance can not only get compensation, but also adopt health management measures, thus greatly improving the quality and level of service. For customers, it can reduce the incidence of diseases and improve the quality of life.
It can be seen that it is necessary to supplement a commercial health insurance on the basis of medical insurance. In this way, the protection of the insured is more comprehensive.