It is best to have both if you have the ability, and give priority to social security if you have insufficient economic ability. 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 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.
Take commercial medical insurance and social medical insurance, social security is far from being a substitute for commercial medical insurance.
1, the difference between social medical insurance and commercial medical insurance in the protection content
The insurance liability of commercial medical insurance is greater than that of social medical insurance. Medical expenses such as registration fees, out-of-hospital consultation fees and medical records fees, as well as the expenses of medical equipment and medical materials such as artificial eyes, prostheses and hearing AIDS, are not covered by social medical insurance, but the coverage of commercial medical insurance can cover these expenses.
As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. Like many "magic drugs" for cancer treatment-targeted drugs, the effect of inhibiting cancer cells is very good, but the price is also high. For example, Kelida, which treats lung cancer, costs more than 50,000 yuan per month. For patients who have not purchased commercial medical insurance, such drugs can only be out of reach, because social medical insurance does not include this cancer-specific drug.
2. The reimbursement amount is different.
Because of its welfare, social security has a relatively low premium, and its security and reimbursement scope are also relatively low. If you don't buy medical insurance for local treatment, but treat it in a different place, the reimbursement rate will be lower. It can be seen that if we rely solely on social medical insurance and face more serious diseases, such protection is not enough. As shown in the figure, more than half of the medical expenses and less than 50% of the social security reimbursement.
If you want to know the difference between social insurance and commercial insurance in other aspects, please collect and read this article quickly.