This means that social security has not been paid. Paying social security for on-the-job employees is the obligation of enterprises. It's illegal if they don't pay. You can report the company to the social security bureau. So you can ask for social security. As we all know, social security is our most basic guarantee. 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.
Let's take commercial medical insurance and social medical insurance as examples to explain why social insurance cannot replace commercial insurance.
1, differences in insurance contents
In this regard, many things that are not covered by social medical insurance are covered by commercial medical insurance. For service items, such as registration fee and consultation fee outside the hospital; Expenses for installing diagnosis and treatment equipment and medical materials such as artificial eyes and limbs; There are also some treatment items, such as the medical expenses of organ or tissue transplantation other than kidney, blood vessel, bone and bone marrow transplantation, which are not in social medical insurance coverage, but all in commercial medical insurance coverage.
As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. For example, in cancer treatment, there are many targeted drugs with relatively small side effects and high curative effect, but these specific drugs are very expensive. For example, Kelida, which treats lung cancer, costs more than 50,000 yuan per month. However, these imported specific drugs often do not belong to 1.4% social security drugs, but belong to the coverage of commercial medical insurance. If you don't buy commercial insurance, you can only give up this life-saving medicine.
2. The reimbursement amount is different.
The price of things with the word "welfare" is usually relatively low, and the content guarantee is relatively basic. The same is true of social medical insurance, with low premium and low reimbursement rate. 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. Obviously, if there is no commercial medical insurance supplement, if you are seriously ill, social medical insurance will not play much role. As shown in the figure, more than half of the medical expenses and less than 50% of the social security reimbursement.
If you still don't know why social security can't replace commercial insurance, read this article again. How to use social security medical insurance? 1. Teach you how to apply for reimbursement!