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First, what is the use of supplementary medical insurance?
Among them, enterprise supplementary medical insurance is a supplement to basic medical insurance. Individual employees do not need to pay fees, and the enterprise shall draw from employee welfare funds according to state regulations to establish supplementary medical insurance for enterprises. If the company has organized supplementary medical insurance for the enterprise according to the national regulations, and the insured employees suffer from major diseases, after enjoying the basic medical insurance, the personal burden can be reimbursed through the enterprise supplementary medical insurance to reduce the economic burden of the insured employees in the event of major diseases.
Commercial medical insurance is a supplement with more comprehensive protection. You have to pay for it yourself. Naturally, the relative price is higher, the limitation of claims and service efficiency are better, and there is no geographical restriction. As long as it is a diagnosis report issued by a public hospital above the second level in China, you can claim compensation. Suitable for family planning with certain economic ability.
Second, the scope of reimbursement of medical insurance
Generally speaking, the reimbursement scope of medical insurance is limited to the drugs and treatment items specified in the social security catalogue. If drugs and articles are outside the social security catalogue, such as dental beauty, myopia surgery, disease care, etc. , they cannot be reimbursed.
Moreover, medical insurance generally requires medical treatment in designated hospitals to be reimbursed. If the patient does not see a doctor in a designated hospital, it is very likely that the medical expenses will not be reimbursed.
Dad concluded that if the budget is sufficient, you can consider supplementary medical insurance.