There is a complementary relationship between commercial insurance and social security, and it is also necessary to buy commercial insurance when you buy social security. Specific information about the difference between commercial insurance and social insurance, in this article are social security health insurance how to use? An article to teach you to apply for the reimbursement process!
Social security that major medical insurance is reimbursement nature, meaning that after spending can go to reimbursement, and the amount is not high, but commercial critical illness insurance is diagnosed with a contractual disease or contractual disease to reach a certain state of the time you can directly pay a sum of money. Of course, the difference between social security and commercial insurance is not only these specific can be down to see.
Next, let's take a look at the differences between social security and Medicare through medical insurance.
1, the difference between the contents of the insurance
In this regard, many of the social health insurance does not cover the contents of the commercial health insurance are covered. For example, for registration fees, out-of-hospital consultation fees and other services, and the application of positron emission tomography (PET), electron beam CT and other large-scale medical equipment for the examination and treatment program of medical expenses, are not covered by 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 do not have commercial medical insurance as a supplement, they can only choose to take traditional anti-cancer drugs.
2, the amount of reimbursement is different
Social health insurance, as a benefit given by the state to its citizens, the reimbursement rate is much lower compared with commercial health insurance. Each region's social security will be different, for foreign treatment, even if you can be reimbursed through the health insurance, the reimbursement rate will be greatly reduced. In case of a more serious illness with higher medical costs, 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 as well, so if you want to know more, please continue reading this article