Social insurance includes pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, while commercial insurance includes not only the above five kinds of insurance, but also other kinds of life insurance and property insurance. Therefore, if you only buy social insurance but not commercial insurance, the protection is not comprehensive. For commercial insurance and social insurance between the specific what is different, you want to know are in this article social security how to use the medical insurance? An article to teach you to apply for the reimbursement process!
Social security we all know is our most basic protection, inside the content of the five insurance coverage encompasses all aspects of our lives. To five insurance in the medical insurance, for example, even if you are now sick, the next year can continue to be insured, you can reimburse the relevant medical expenses, pay enough for fifteen years after you can also enjoy a lifetime of medical insurance protection. But this is not to say that there is social security is enough, its protection is still not quite enough, you need to use commercial insurance to supplement, specific can be seen below.
The difference between social security and commercial insurance on medical insurance can be said to be the most typical, below, we will take the medical insurance to make a comparative analysis, see why commercial insurance is irreplaceable.
1, social health insurance and commercial health insurance in the content of the different
Social health insurance coverage is not as rich as commercial health insurance. For example, social security does not cover "registration fees", "out-of-hospital consultation fees", "medical records" and other services such as fees and diagnostic equipment and medical materials belonging to the category of prosthetic eyes, prosthetic limbs, hearing aids and other rehabilitative devices, However, most commercial insurance policies in the market cover these two types of medical expenses.
The types of medicines that are covered by social security are also very limited, as shown in the chart below. Many of the "miracle drugs" for cancer, such as targeted drugs, are very effective in inhibiting cancer cells, but they are also very expensive. For example, the average monthly cost of Koraida for lung cancer is more than 50,000 yuan. For patients who have not purchased commercial health insurance, these drugs can only be in a state of hope, because social health insurance does not cover this kind of cancer special drugs.
2, the amount of reimbursement is different
With the word "welfare", usually low price, content protection is also relatively basic, social health insurance is also the case, the premium is lower, the reimbursement rate is also low. If you get sick and seek medical treatment in a foreign country, even if the social health insurance can reimburse you, the reimbursement rate will be even lower. Therefore, if you only buy social health insurance and not commercial health insurance, there is still a large proportion of people who are not covered by insurance. As shown in the chart, more than half of the medical expenses are reimbursed by social security at less than 50 percent.
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