According to the information from Netease News and Zhihu, Million Dollar Medical Insurance is a commercial insurance that does not require Farmers' Cooperative or Social Security as a prerequisite. You can buy Million Dollar Medical Insurance even if you don't have Farmers' Cooperative. If you choose the no social security status when you enroll in the policy, the insurance company will reimburse you at 100% when you seek medical treatment, regardless of whether or not you use your social security to reimburse you first. Therefore, you can buy Millionaire's Health Insurance even if you don't have a social security card.