What insurance is available as an alternative to health insurance?

There is no commercial insurance.

Medical insurance is the most basic insurance, which is a must, whether it is employee medical insurance or resident medical insurance or NCMS.

Medical insurance, which is the most basic medical insurance, is irreplaceable. Buying any commercial insurance is one day to ask if there is social medical insurance, so medical insurance is the most basic. There is no substitute. Commercial insurance can only be used as a supplementary medical insurance.

As a supplement. If you have to replace it, it is the million-dollar medical insurance and critical illness insurance in commercial insurance. But it is impossible to replace them all, and the price will be much higher.

Million Medical Insurance - Supplement medical insurance and reduce the burden.

You can consider adding a million medical insurance to supplement the medical insurance, million medical insurance has always been the darling of the competition, a few hundred yuan a year, you can buy millions of medical insurance, can reimburse sick hospitalization, provide inpatient medical care, special outpatient, outpatient surgery, 7 days before hospitalization and 30 days after emergency treatment, etc.

At present, there is no kind of commercial insurance that can replace social security medical insurance, and commercial insurance refuses to insure or deny compensation to all those who need medical insurance the most.

My suggestion is that commercial insurance should be purchased selectively according to your needs on the premise of paying social security and medical insurance.

Now my family and I have not purchased any commercial medical insurance, and commercial insurance has been bought before and has been reluctant to buy it.

No commercial insurance can replace medical insurance, and commercial insurance can only be used as an extension of medical insurance, according to your own situation.

There is a supporting critical illness medical insurance that can supplement the medical insurance.

Medicare is useful, extremely useful. It is no exaggeration to say that the medical insurance card in your hand is more precious than a bank card.

The medical insurance card can be used to purchase drugs at designated pharmacies, or it can be used for outpatient and hospitalization, and it is enough to pay for the part borne by the individual during hospitalization.

Medical insurance

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by the risk of disease. Through the employer and individual payment, the establishment of medical insurance**, after the insured person is sick and incurs medical expenses, the medical insurance institution will give him a certain amount of economic compensation.

The establishment and implementation of the basic medical insurance system gathers the economic strength of the unit and the members of the society, coupled with the first funding, which can enable the sick members of the society to obtain the necessary material help from the society, reduce the burden of medical expenses, and prevent the sick members of the society from "becoming poor due to illness".

In November 2019, the first batch of 422 diseases and payment methods in Anhui Province were announced, and from January 1, 2020, urban and rural residents will have a unified payment standard when they seek medical treatment in 18 provincial hospitals.

Medical insurance, in the traditional sense, refers to the management of medical insurance by a specific organization or institution, through mandatory policies and regulations or voluntary contracts, in a certain area of a certain group of insured people**.

Medicare originated in Western Europe and can be traced back to the Middle Ages. With the success of the bourgeois revolution, the cottage workshop was replaced by big industry, and the modern industrial contingent appeared. Due to the harsh working environment, the occurrence of epidemic diseases and industrial accidents makes workers demand appropriate medical attention.

However, their wages are low, making it difficult for individuals to pay for medical expenses.

As a result, workers in many places organized themselves to raise a part of the money to cover expenses in case of illness. But this form is not very stable, and it is small-scale, and the ability to resist risks is very low. At the end of the 18th century and the beginning of the 19th century, private insurance developed in Western Europe and became an important way for the state to raise medical funds.

Medical insurance has the basic characteristics of social insurance, such as compulsory, mutual aid and sociality. Therefore, the medical insurance system is usually enforced by national legislation, and the establishment of a first-class system, the cost is jointly paid by the employer and the individual, and the medical insurance premium is paid by the medical insurance institution to solve the medical risk caused by the illness or injury of the worker.

Commercial insurance can replace social security in the following ways: it can be supplemented by commercial insurance, such as endowment and critical illness protection. In the absence of social security, some can be certain commercial insurance temporarily replace social security, but some can not be replaced, such as hospitalization medical insurance, commercial hospitalization medical insurance is mostly protected to the age of 65, and then it will be gone, we know that most of the medical care is after old age, and social security not only solves the medical treatment when you are young now, if you reach the specified number of years, you will be guaranteed for medical care until retirement in the future.

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Insurance is not a substitute for social security, and it is accurate to say that neither commercial insurance nor social security can replace each other.

Social security refers to a non-profit social security system with the function of income redistribution, which is compulsory for the majority of members of society to participate in order to prevent and share social risks such as old age, unemployment, illness and death, and to achieve social security. It is the most basic guarantee. Commercial insurance is more of a supplement to social security, which can more effectively protect life.

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Compared with commercial insurance, the types and contents of social insurance can be said to be only the tip of the iceberg, so social insurance cannot replace commercial insurance, only buy social insurance, and the degree of protection is very limited. For a specific analysis of the relationship between the two, please see this articleIs Social Security or Commercial Insurance Better? What is the difference between social security and commercial insurance?

Social security and commercial insurance are not interchangeable.

Next, let's take social medical insurance and commercial medical insurance as examples to talk about the differences between social insurance and commercial insurance.

1. Differences in insurance liability

Compared with the protection content of commercial medical insurance, the protection content of social medical insurance can be said to be a small thing. For example, the protection content of social medical insurance does not include the application of electron beam CT, ophthalmic excimer laser and other large medical equipment for examinations, but the protection content of commercial medical insurance can include the application of these large medical equipment for examinations, ** and the costs incurred.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. For example, for malignant tumors, there are many special drugs on the market with good efficacy and less damage to the human body, such as Keytruda for lung cancer, with an average monthly cost of more than 50,000 yuan. For patients who have not purchased commercial medical insurance, this kind of drug can only be in a state of hope, because social medical insurance does not include this cancer specific drug.

2. The amount of reimbursement is different

In this regard, due to the wide coverage of social medical insurance and low premiums, its protection and reimbursement range are naturally not as high as commercial medical insurance. For non-local**, even if it can be reimbursed, the reimbursement ratio has to be discounted again, while the reimbursement ratio of commercial medical insurance usually does not change due to non-local**. For more serious diseases, the protection role played by social medical insurance is not enough to deal with the risk.

To a certain extent, social security is more basic and welfare, but the amount is limited, so we often supplement it through commercial insurance, such as pension and critical illness protection. In the absence of social security, some can be certain commercial insurance temporarily replace social security, but some can not be replaced, such as hospitalization medical insurance, commercial hospitalization medical insurance is mostly protected to the age of 65, and then it will be gone, we know that most of the medical care is after old age, and social security not only solves the medical treatment when you are young now, if you reach the specified number of years, you will be guaranteed after retirement until lifelong medical care.

Therefore, if the economic conditions allow, the combination of the two is the best, because the two can complement and substantiate, if you have to choose one or the other, my personal opinion is as follows:

1. Social security must have certain benefits, especially in terms of protection after old age, commercial insurance is incomparable, for example, no insurance company provides medical expenses for diseases after the age of 65 (except for critical diseases), social security medical care can! The pension must also be a strong social security pension, because the future pension standard of social security is based on the future average social wage level, and commercial pension insurance is impossible;

2. Of course, at the moment, you can pay social security independently, and the cost is not low, if you are not more than 35 years old, you can temporarily provide some temporary protection with commercial insurance, such as medical insurance;

3. In addition, a little more, social security independent payers, bear all the costs, if unfortunately die early, social endowment insurance is only to return the amount of personal account (is not cost-effective), so as to cooperate with the purchase of a commercial whole life insurance, so that if there is a problem, you can get a large amount of compensation for commercial life insurance, if you live a long and healthy life, then receive a lot of pensions, so that no matter what the situation is a "winner".

One coverage is not enough, according to the order in which commercial insurance is purchased:

The first is accident insurance, because the probability of accidents in life is the largest, the second is critical illness insurance medical insurance, people are sick in these cases, and the third is pension insurance, pension insurance is the last consideration, and the choice of insurance company should choose a strong one.

China's top three insurance companies in 2015:

1 Ping An of China (China's well-known trademark, Forbes list of top 32 enterprises, China's insurance industry first, China Ping An Insurance (Group) shares****).

2 Chinese Life Insurance (the same age as the People's Republic of China, the mainstay of China's insurance industry, Chinese Life Insurance (Group) Company).

3 Pacific Insurance (a Fortune 500 company, headquartered in Shanghai, China Pacific Property Insurance (Group) Co., Ltd.****).