Commercial health insurance, social insurance plus co-insurance health
Some people feel that since has a social health insurance, there is no need to re-pay the price of commercial insurance; while others go the opposite extreme, bought a lot of kinds of commercial medical insurance, and eventually the discovery and protection of the existing social security phase Repeat.
China's financial network news in the social basic medical insurance system reform has touched every family today, many people who used public health services still do not know how to arrange their own health insurance scheme. Some people feel that since has a social health insurance, there is no need to re-pay the price of commercial insurance; while others go the opposite extreme, bought a lot of kinds of commercial medical insurance, and eventually the discovery and protection of the existing social security phase Repeat. So, people should be how to design their own health insurance plan, so that both the economy and can be best protected?

There is also need to consider health insurance commercial health insurance

The body of revolution, the capital, however, environmental pollution, stress and many other factors, so many people worrying state of health, which, as we want to prevention, care of their own health; two must be prepared, so that they can medical services. However, in the face "for medical treatment difficult and expensive" health care status quo, it was found even if there is social security, each serious illness or small, a lot of medical expenses are still to be from his own pocket. At present, the national conditions, our social health insurance can only be "low level, wide coverage." This means that we have health insurance faces many constraints. The first is the amount of the reimbursement restrictions. Co-ordinating the basic medical insurance fund set up individual patient medical costs have been going to pay line, co-payment segment and cap lines. Qifubiaozhun below and above the cap of medical expenses from personal accounts or cash. Co-payment from the Film Fund and the individual segment in proportion to share the burden. Followed by the scope of restrictions on reimbursement. Certain drugs (drugs, importing drugs, expensive drugs, etc.) as well as some treatment projects, medical services and facilities are not in the community within the scope of Medicare reimbursement. And the reimbursement of social security are the ex post facto, but also for loss of working time, the cost of nutritional supplements and the like are not covered.

Can be seen that social health insurance compared to urban households to install wooden doors, you can provide basic protection. But for "Maozei burglars," simply the Road protection, is still significantly thin. To further enhance the health of an individual or family protection, one needs to be an iron gate - commercial health insurance.

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