I received a client, Mr. A, the other day, and I was very impressed by his questions.
Mr. A works in a new first-tier city, and in order to provide better education and companionship for his children, he also brings his 2-year-old child with him.
Recently, he planned to buy a million-dollar medical insurance for his child, and it turned out that
Because he has been away from his hometown for a long time, he did not give his children the resident medical insurance in the buyer;
Where you work, you are not allowed to buy local social security for preschool children who are not registered with your household registration.
Buying millions of medical insurance according to the status of no social security is 7 or 800 yuan more expensive for a year!
Very distressed.
In fact, it is not only the premium, there is no social security, and it also has an impact on commercial insurance claims.
Why didn't I buy social security and medical insurance, which had such a big impact on commercial insurance?
Today, Daddy is here to answer a wave for you.
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01
Which types of insurance will distinguish between social security and non-social security
First of all, not all types of insurance will distinguish between the presence and absence of social security.
For example, the type of benefit-based insurance, such as term life insurance, generally does not distinguish between whether there is social security or not.
For reimbursement insurance, such as small medical insurance, accident insurance with accidental medical protection liability, etc., you will be asked whether there is social security.
So why make such a distinction? Mainly because social security can reimburse a part of medical expenses.
We must know that the principle implemented by commercial insurance is the principle of risk sharing, that is, consumers and insurance companies bear the risk together.
After buying insurance, in case of insurance, the insurance company bears most of the risk, and the consumer bears a small part of the risk.
Medical insurance implements a reimbursement system, and the maximum amount you spend can only be reimbursed.
For example, if you spend 10,000 yuan on hospitalization, medical insurance can reimburse you up to 10,000 yuan.
If there is social security, social security can first reimburse part of the medical expenses, then the insurance company can bear less;
If there is no social security, it means that the insurance company has to bear more.
Therefore, commercial medical insurance will distinguish between whether there is social security or not.
02
There are two influences of social security on buying commercial insurance
Whether or not to buy social security has an impact on commercial insurance, which is mainly manifested in two aspects.
The first one is that the premiums are not the same.
People who do not have social security will have more expensive premiums than those who have social security, and the most obvious example is the million dollar medical insurance.
Let's take an example to see the difference between the two.
It can be seen that no matter what age group, if there is no social security, the annual premium is more than twice that of social security, and the difference is still relatively large.
Therefore, friends who have not yet bought social security should hurry up and make up for it, and it will be more cost-effective to apply for insurance.
The second is that the reimbursement ratio is not the same.
Let's take a look at medical insurance first, the difference in reimbursement ratio is mainly reflected in whether it is settled by medical insurance.
Generally speaking, if there is social security insurance, and after social security settlement, publicly-funded medical treatment or other third-party commercial insurance, the reimbursement ratio is 100%;
Without social insurance, the reimbursement ratio is also 100%, and at this time, the corresponding premium of the product will be more expensive.
However, if there is social security insurance, but the social security settlement is not used when seeking medical treatment, the reimbursement ratio is generally only 60%.
In other words, you either spend more money to buy insurance, and the cost is borne by commercial insurance; Otherwise, the part that should be settled by social security first, and the commercial insurance will not be reported.
Therefore, the most cost-effective way is to apply for insurance when there is social security, and when seeking medical treatment, you will first use social security to settle and then use commercial insurance for reimbursement.
For accident insurance with accidental medical treatment, although the presence or absence of social insurance does not directly affect the price of the product, it has a relatively large impact on the protection of accidental medical treatment.
The following is the difference in the reimbursement ratio of accident medical insurance with or without social insurance:
If there is social security, and it is paid by social security or third-party commercial insurance, it can be 100% reimbursed;
If there is no social security and no reimbursement through other channels, the reimbursement ratio is discounted by 20%, and only 80% can be reimbursed, which is greatly reduced.
However, the reimbursement ratio of different products will be different, when we apply for accident insurance, we should pay more attention to accident medical protection, and give priority to products that can be reimbursed by social security and can reimburse 100%;
If you don't have social security to insure yourself, try to choose a product with a higher reimbursement ratio.
03
Write at the end
In general, if you have social security, you can buy commercial insurance, not only the premium can be cheaper, but also the reimbursement will be greater after the social security settlement.
It can be said that buying social security is properly wool, and it is recommended that everyone participate in insurance.
Of course, it also has some limitations, such as a narrow reimbursement scope, with restrictions such as the minimum payment line and the cap line.
It is best to supplement some commercial insurance on the basis of participating in social security to fully protect yourself.
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