Why buy supplements? Medical insurance is not covered, and hospitalization cannot be fully reimbursed. There are deductible lines, * * * payment segments, capping lines, payment ratio for critical illness, medication and payment scope for inspection. Assuming that the serious illness * * * costs 200,000 yuan, if the medication and examination are within the scope of medical insurance, the out-of-pocket proportion will generally reach19%; If the drug is not covered by social security, the out-of-pocket payment ratio will generally reach about 50%, which will be a lot of money. If you buy supplementary medical insurance, and within the period of supplementary reimbursement, you can receive serious illness medical fund.
Supplementary medical insurance is an integral part of the medical security system, and units and individuals voluntarily participate. The state encourages employers and individuals to participate. Consumers pay a certain amount of insurance money, and when they encounter serious illness, they can get certain medical expenses from insurance companies. This is also the reason why medical insurance should be supplemented, which can effectively supplement basic medical insurance and give individuals greater protection.
Supplementary medical insurance is based on the principle of basic medical payment in advance. In a natural year, the insured person's accumulated outpatient (emergency) medical expenses exceeding the basic medical insurance Qifubiaozhun due to illness, or the medical expenses incurred in hospitalization, shall be reimbursed by the basic medical insurance in advance. Time limit for reimbursement of supplementary medical insurance: the insured shall go through the reimbursement procedures within one month after discharge. The maternity expenses of female employees who meet the national family planning regulations shall be reimbursed within three months after childbirth, and the medical expenses of employees' children may be reimbursed at any time during the year.
Therefore, social security medical care and supplementary medical insurance complement each other.