We know that employees working in enterprises generally have five kinds of insurance, but some people want to buy commercial insurance, but they are not very clear about this kind of insurance. So, do you still need to buy commercial insurance after buying social security? Let's explain the relevant content.
1、 Bought social security to need to buy commercial insurance
The medical insurance of social security is the basic guarantee, and the national welfare system is characterized by wide coverage and low guarantee. Can provide us with the most basic medical reimbursement, but not all inclusive, such as the starting line, pay segment, pay ratio and other personal expenses. And commercial medical insurance can effectively supplement the vast majority of social security can not be reimbursed, really effectively reduce our losses.
As long as we buy enough years of medical insurance, we can claim part of the hospitalization expenses during the payment period and after retirement. In the reimbursement of medical insurance, we should first subtract the threshold expenses. The threshold expenses of designated hospitals vary according to the level of hospitals, ranging from 900 to 500 yuan. (total expenses - threshold fees - self funded drugs) * compensation proportion%, of course, the compensation proportion varies with the payment period, ranging from 65% to 80%. Commercial medical insurance is a favorable supplement to medical insurance, generally (total expenses - Social Security reported - self funded drugs) * 90%, which can basically solve our medical and hospitalization expenses.
Social medical insurance is a kind of "insurance but not insurance". Sick inpatients can not be fully reimbursed. There are starting line, CO payment section, capping line, payment proportion for major diseases, and payment scope for medication and examination. Although medical insurance has the advantages of low payment and long time, it also has many limitations, such as the limitation of participants, the limitation of reimbursement amount and scope, etc. Many people with medical insurance find that every time they have a serious illness, they have to pay a lot of expenses. Commercial insurance is an effective supplement to medical insurance. Whether it is social endowment insurance or medical insurance, the protection provided is limited. At this point, the supplementary role of commercial insurance is reflected. Especially for major diseases, when the insured is diagnosed as a serious disease, the commercial severe disease insurance can immediately receive a sum of medical fund for major diseases, which can be treated in time. It is an effective supplement to the medical insurance.
Generally speaking, social security is the most basic guarantee, and commercial insurance is the supplement of social security, which greatly increases its depth. Life insurance = Social Security + commercial insurance. If you plan to have lifelong medical reimbursement and pension, you still need to have social security. At present, you can get your pension after 15 years of social security payment. Medical security begins to enjoy medical expense reimbursement after the 13th month of your payment. Therefore, it is suggested that you should first handle social security for yourself in the plan of annual investment of about 5000. According to your own work nature and income and expenditure situation, increase business accident insurance and critical illness insurance appropriately, and analyze the specific situation.
2、 Is supplementary medical insurance commercial insurance
Supplementary medical insurance is commercial insurance, which is relative to basic medical insurance. It includes enterprise supplementary medical insurance, commercial medical insurance, social mutual assistance and community medical insurance. It is a powerful supplement to basic medical insurance and an important part of multi-level medical insurance system.
What form can enterprise supplementary medical insurance take
Enterprise supplementary medical insurance enterprise supplementary medical insurance is a kind of supplementary medical insurance form that enterprises independently hold or participate in on the basis of participating in urban basic medical insurance and encouraged by the state.
(1) Commercial medical insurance institutions;
(2) Social medical insurance institutions;
(3) Large groups and enterprises run by themselves.
Through the above explanation, we can understand that social security is a guarantee of life, while commercial insurance is independent, so in this case, it should be decided according to its own actual situation. with