Needed. Why do you need it? Read this article, "With Social Security, do you still need to buy commercial insurance?" and you will know!
Social security is a part of our country's security system, in order to more protection of people's lives and health, but also can see that the insurance is too full and too wide in-depth or the degree of benefits will not be enough. Five insurance, work injury and unemployment we have less contact, maternity and old age have a certain stage of limitations, medical care we have the most contact, but also the most extensive use. Take medical insurance as an example, it naturally has a lot of benefits, and there are also places that commercial insurance cannot compare with. But it also has its shortcomings, and commercial insurance makes up for that very well.
Medicare reimbursement covers a wide range of expenses, but there are also many restrictions. You don't pay below the starting line, you don't pay above the ceiling, you don't pay for what you pay out of pocket, and you get reimbursed for the rest on a sliding scale. According to different places, the starting line ranges from 300-1800, and the cap line ranges from 100~300,000, that is to say, if you pay for the hospital visit without exceeding the starting line, you pay in full, and the medical insurance will not reimburse you, and the payment exceeds the cap line, the medical insurance will not reimburse you, and in addition, the special effect drugs, imported drugs and so on belong to the scope of the out-of-pocket expenses, which will not be reimbursed, and after deducting all these, the total cost of the expenses you paid will be reimbursed by a 50%-80% ratio. 80% reimbursement.
And commercial insurance, for imported drugs, special drugs, etc. are included, in addition to compensate you for the loss of income during the period of illness, as well as hospitalization subsidies, the reimbursement scope is broader, the reimbursement amount is higher.
If you have a different insurance policy, you can find a third-party consulting platform for consultation, and would rather spend a little bit of money than spend that big money. Insurance consulting platform recommended milkman insurance, milkman insurance has covered WeChat public number, Zhihu, microblogging, jittering, small red book and other popular Internet platforms, with a huge 1 million + user groups and growing Internet exposure, for many users popular insurance knowledge and insurance concepts, to provide a third-party professional and objective insurance consulting, protection program customization services.