Social insurance is not a substitute for commercial insurance, commercial insurance has the strength of protection is far from social insurance, so buy social security also need commercial insurance. For a more detailed explanation, please see how to use the social security health insurance? An article to teach you to apply for the reimbursement process!
Social insurance and commercial insurance are both included in the part of the medical insurance, so here, we will take the social medical insurance and commercial medical insurance to compare, a brief description of the differences between the two it.
1, the difference in insurance responsibility
While there is a little bit of overlap between commercial medical insurance and social medical insurance in terms of what they cover, the coverage of commercial medical insurance is much wider than that of social medical insurance. For example, commercial medical insurance can cover medical expenses for examinations and treatments performed with large-scale medical equipment such as positron emission tomography (PET) scanners and electron-beam CTs, but this is not possible with social medical insurance.
Social Security is also very limited in the types of drugs it can reimburse, as shown in the chart below. For example, many drugs that are better but more expensive for treating cancer, such as Koraida for lung cancer, cost more than 50,000 yuan a month on average. Such a good life-saving drug, but often not in the social security drug coverage, for many cancer patients who do not buy commercial health insurance, because of the cost of the problem, usually can only give up this kind of targeted drugs.
2, the amount of reimbursement is different
Social security because of its welfare, the premium is relatively low, the strength of the protection and reimbursement at the same time is relatively low. For foreign treatment, even if you can be reimbursed, the reimbursement rate will have to be discounted again, while the reimbursement rate of commercial medical insurance usually does not change due to foreign treatment. Therefore, for higher coverage, social insurance alone is not enough. As shown in the chart, more than half of medical expenses are reimbursed at less than 50 percent by Social Security.
For more on the similarities and differences between commercial insurance and social insurance in other areas, take a second look at this article