Is it necessary to buy supplementary insurance?

This is necessary. Supplementary insurance is relative to basic medical insurance, including supplementary commercial insurance for enterprises, commercial insurance purchased by individuals, social mutual assistance and community medical insurance. It is a powerful supplement to China's basic medical care and an important part of medical security system.

As we all know, social security is the basic guarantee, and its reimbursement is limited by the scope and proportion of reimbursement. To put it simply, social security is not reimbursed 100%, especially for some self-funded items, such as Class B drugs, Class C drugs and imported medical devices. The social security reimbursement rate is very low or not reimbursed. And if we are seriously ill or have a big accident, we need to use these self-funded drugs, self-funded medical technology and equipment, and the medical expenses will be very high, then if we have a supplementary insurance, we can make up for the lack of social security and make our lives more secure.

At the same time, like the current supplementary insurance, the coverage is also rich and varied, such as supplementary medical insurance, accidental injury insurance, critical illness insurance, old-age insurance and so on. We can configure our own insurance and products according to our actual situation.

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