Social insurance and commercial insurance is not a substitute relationship, commercial insurance has a social insurance can not replace the role of protection, even if the purchase of social security, it is still necessary to buy commercial insurance. To know more please move to this article social security health insurance how to use? An article to teach you to apply for the reimbursement process!
Next, let's take a look at the difference between social security and Medicare through Medicare.
1, the difference in insurance responsibility
Commercial medical insurance has more insurance responsibility than social medical insurance. For example, for the registration fee, out-of-hospital consultation fees and other services such as the type of cost, and the application of positron emission tomography device (PET), electron beam CT and other large-scale medical equipment for the examination and treatment program of the medical cost of the expenditure, are not within the scope of coverage of the social health insurance. However, commercial insurance can cover them.
The types of drugs that can be reimbursed by social security, as shown in the chart below, are also very limited. Like in the treatment of malignant tumors, nowadays there are a lot of effective and less side-effects, but expensive special-effect drugs, such as the treatment of lung cancer Koraida, the average monthly cost of more than 50,000 yuan. However, this kind of imported special-effective drugs usually do not belong to the scope of social security, for cancer patients who have not configured commercial medical insurance as a supplement, they can only choose to take traditional anti-cancer drugs at this time.
2. Different reimbursement amount
Social security, because of its welfare, premiums are relatively low, and the strength of protection and reimbursement is also relatively low. If you're sick in a foreign country, even if you can get reimbursed by social security, the reimbursement rate will be even lower. Therefore, to get a higher level of protection, social insurance alone is not enough. As shown in the chart, more than half of the medical expenses are reimbursed by social security at less than 50 percent.
Social insurance and commercial insurance are different in many other ways, too, so if you want to know, keep reading this