Commercial insurance and social insurance have a complementary relationship with each other, so social security can not replace commercial insurance. Want a more in-depth understanding of the relationship between the two of them and the difference, come to see this article social security health insurance how to use? An article to teach you the process of applying for reimbursement!
Generally, the first thing you need to do is to use social security to reimburse yourself, and then use commercial medical insurance to reimburse yourself if you still have money left over. In the case of social security medical insurance, for example, even if you are now sick, the next year you can continue to insure, you can reimburse the relevant medical expenses, pay enough fifteen years after you can also enjoy lifelong health insurance protection. But this is not to say that there is social security is enough, its protection is still not quite enough, you need to use commercial insurance to supplement, you can look down below.
Below, we will take social health insurance and commercial health insurance as an example, to say the difference between social security and commercial insurance.
1, in the content of the protection of the embodiment
Commercial health insurance coverage is much richer than the social health insurance coverage. For example, the social health insurance does not cover the examination and treatment by large-scale medical equipments such as electron-beam CT and ophthalmic excimer laser, etc., but the commercial health insurance can cover the expenses incurred by the examination and treatment by these large-scale medical equipments.
The types of drugs that can be reimbursed by social security are also very limited, as shown in the chart below. Like in the treatment of malignant tumors, nowadays there are a lot of effective and less side-effects, but expensive special drugs, such as the treatment of lung cancer Koraida, the average monthly cost of more than 50,000 yuan. However, this kind of imported special-effective drugs usually do not belong to the scope of social security, for cancer patients who have not configured commercial medical insurance as a supplement, they can only choose to take traditional anti-cancer drugs at this time.
2, the amount of reimbursement is different
Social security belongs to the national welfare insurance, the strength of the protection will not be too high, can be reimbursed for the magnitude of the relatively small. For foreign treatment, even if you can be reimbursed, the reimbursement rate will have to be discounted again, while the reimbursement rate of commercial medical insurance usually does not change due to foreign treatment. For more serious illnesses, the coverage role played by social health insurance is not sufficient to cover the risk. As shown in the chart, more than half of medical expenses are reimbursed by social security at less than 50 percent.
Want to know the difference between social insurance and commercial insurance in other aspects, quickly bookmark plus read this article