Buy social security first. Social security includes social security for residents and social security for employees. If employees can't buy it, they can go to social security to buy residents, and then consider commercial insurance. Take medical insurance in social security 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 it is enough to know the difference between commercial insurance and social security first, and look down.
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
The content of commercial medical insurance is far more than social medical insurance. For example, social security does not cover services such as "registration fee", "out-of-hospital consultation fee" and "medical record fee", as well as the expenses of rehabilitation devices such as artificial eyes, prostheses and hearing AIDS belonging to medical devices and medical materials, but most commercial insurances in the market cover these two medical expenses.
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 welfare of social security also makes it impossible for its reimbursement ratio to be as high as that of commercial medical insurance. For off-site treatment, even if it can be reimbursed, the reimbursement ratio will be discounted again, and the reimbursement ratio of commercial medical insurance will usually not change because of off-site treatment. Therefore, to obtain higher security, it is not enough to rely solely on social insurance. As shown in the figure, more than half of the medical expenses and less than 50% of the social security reimbursement.
Regarding the similarities and differences between commercial insurance and social insurance in other aspects, you can look at this article again.