As we all know, social security is our most basic guarantee, and the content of five insurance covers all aspects of our lives. Take the medical insurance in the five risks as an example. Even if you are sick now, you can continue to apply for insurance in the second year, you can reimburse related medical expenses, and you can enjoy lifelong medical insurance after paying 15 years. But this does not mean that social security is enough, and its protection is still not enough. Commercial insurance is needed to supplement it. See below for details.
Here, let's briefly talk about the difference between social medical insurance and commercial medical insurance.
1, the difference between social medical insurance and commercial medical insurance in the protection content
Compared with the content of commercial medical insurance, the content of social medical insurance can be said to be dwarfed. For example, commercial medical insurance can cover the medical expenses of examination and treatment items due to the application of large-scale medical equipment such as positron emission tomography (PET) and electron beam CT, but social medical insurance cannot do this.
As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. Like many "magic drugs" for cancer treatment-targeted drugs, the effect of inhibiting cancer cells is very good, but the price is also high. For example, Kelida, which treats lung cancer, costs more than 50,000 yuan per month. There are many cancer-targeting drugs like Creda, which are not covered by social insurance. For cancer patients who have not bought commercial medical insurance and their family conditions are not very good, they can only give up this specific drug.
2. The reimbursement amount is different.
The reimbursement rate of commercial medical insurance above the deductible line can usually reach 100%, while the reimbursement rate of social medical insurance with national welfare is much lower than 100%. Furthermore, if some hospitals in different places choose to go to different places for treatment because the treatment effect is better, then the reimbursement ratio of social medical insurance will often be lower. Without commercial medical insurance, only social medical insurance is not enough to resist risks. As shown in the figure, more than half of the medical expenses and less than 50% of the social security reimbursement.
There are many differences between social insurance and commercial insurance in other aspects. Friends who want to know, please continue reading this article.