What is the difference between social security and commercial ownership?
There is still a difference between commercial insurance and social insurance. Social insurance is the responsibility of the state, and commercial insurance is the responsibility of the insurance company. The serious illness medical treatment of social insurance is reimbursement. The serious illness insurance of commercial insurance is of payment nature, that is, no matter how much you spend on seeing a doctor, the insurance company will give you the amount of insurance as agreed in the contract at one time. Of course, there are other differences. For the reimbursement problem you mentioned, that is, the scope of hospitalization medical insurance. Generally, after social insurance reimbursement, there will be a part of the minimum payment line, that is, the part less than how much is not reimbursed. In addition, there is a reimbursement ratio. Social insurance generally does not fully reimburse, so these two expenses are not reimbursed, Business inpatient medical reimbursement can continue to be reimbursed. The part that has been reimbursed by social insurance cannot be reimbursed again. In a word, if the hospitalization costs 10000 yuan at a time, no matter how many companies apply for reimbursement, the total amount of reimbursement will not exceed 10000 yuan. Is this easy to understand?
