Social insurance includes pension insurance, medical insurance, unemployment insurance, work injury insurance and maternity insurance, while commercial insurance includes not only the above five kinds of insurance, but also other kinds of personal insurance and property insurance. Therefore, if you only buy social insurance but not commercial insurance, the protection is not comprehensive. To know more please move to this article social security health insurance how to use? An article to teach you the process of applying for reimbursement!
Social security, as we all know, is our most basic protection, the content of the five insurance coverage encompasses all aspects of our lives. Like maternity insurance, to bring women the benefits of maternity leave, reimbursement of maternity expenses, great subsidies to us. Pension and medical insurance in most places as long as you pay enough 15 years, you can have lifelong health insurance protection, as well as the future of the pension issued by the money is not simply the money you pay counting the interest to do the division, but according to the average social wage at the time of retirement and other factors to issue a pension, do not have to worry about inflation brought about by the overly large impact. But this is not to say that there is social security is enough, it is still not quite enough protection, the need to use commercial insurance to supplement, you can look down.
Take commercial medical insurance and social medical insurance, social security is far from being able to replace commercial medical insurance.
1, the difference in coverage
Social health insurance is far less comprehensive than commercial health insurance in this regard. For service items, such as registration fees, out-of-hospital consultation fees; diagnostic and treatment equipment and medical materials, such as the installation of prosthetic eyes, prosthetic limbs; and some treatment items, such as kidney, blood vessels, bone, bone marrow transplants other than the transplantation of organs or tissues of the medical costs, social health insurance are not insured, but they are all part of the commercial medical insurance coverage.
The types of drugs that social security can reimburse, as shown in the chart below, are also very limited. Like the treatment of cancer now, in fact, has been developed a lot of targeted cancer drugs with targeted and little side effects, but the cost is more expensive. For example, the average monthly cost of Koraida for lung cancer is more than 50,000 yuan. However, this kind of imported special drugs usually do not belong to the scope of social security, for cancer patients who do not configure commercial health insurance as a supplement, at this time, you can only choose to take traditional anti-cancer drugs.
2. Different reimbursement rates
Commercial health insurance usually reimburses up to 100 percent of the total amount above the deductible, while social health insurance, which is a national welfare program, reimburses much less than 100 percent of the total amount. If treatment is received in a foreign country, the reimbursement rate is usually even lower, even if the health insurance is able to reimburse the patient. As you can see, social health insurance alone is not enough protection against more serious illnesses. As shown in the graph, more than half of the medical expenses, social security reimbursement rate of less than 50%.
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