How should social insurance and commercial insurance co-exist?

The current social medical insurance has been widely used. At the same time, people will additionally insure commercial health insurance in order to improve protection. However, when reporters visited the provincial capital recently, it was discovered that many citizens did not understand how social insurance and commercial health insurance played their roles in actual claims. So, for those who have both social health insurance and commercial health insurance, how can the two insurance claims compensate the maximum compensation for their losses? On September 15, the reporter learned from the relevant experts.

According to the principle that social insurance takes precedence over commercial insurance, and generally paid by social health insurance, the insurance company will pay for the rest of the medical expenses. According to insurance experts, insurance companies will first determine the items that can be paid according to the insurance terms (generally the same as the social insurance claims scope), deduct the amount that social medical insurance has already paid, and then obtain the actual number of claims. Insurance experts suggest that both social insurance agencies and insurance companies reimburse invoices, especially when social insurance agencies request reimbursement of their original documents. Therefore, when citizens apply for reimbursement at the social insurance agencies, they must remind their staff to open separate invoices for subsequent commercial insurance applications. “In practice, some people will insure additional supplementary insurance for major illness insurance and subsidy insurance, but in fact, these two types of commercial insurance and social medical insurance do not conflict in the claims.” Insurance experts said that major commercial diseases Insurance is usually diagnosed and paid. Even if the treatment is not started at the time of application, the insured can obtain the amount of insured one time by virtue of the definitive diagnosis issued by the hospital, so as to ensure that the insured can have sufficient treatment funds at the first time, so that follow-up Treatment can proceed smoothly. "Also, subsidy-type insurance is not reimbursed on the basis of invoices. Applicants can obtain insurance money from insurance companies as long as they provide evidence of surgery or hospitalization (specific product regulations) as compensation for loss of work or nutrition." The expert reminds that the insured can still apply for a reimbursement of the treatment fee to the social security agency after receiving the reimbursement insurance premium or allowance.