社保≠全额报销！这些弱点，赶快自查！

<section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D0" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/ttibxYrpmzvRMRQ8Ot4BB9nrCw1EicbYY3lJMPC5n8NEwOm04yG4OtkRLNkOJZSCeey71IM1UpXswicff1otoiaAJg/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=0" alt="懂保爷测评配图" loading="lazy" /></span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span style="color: rgba(0, 0, 0, 0.9)"><span text >Hey，大家好，我是懂保爷资深产品测评师丽丽～</span></span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >很多人买保险，都会有一个误区：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >“我都有社保了，还买商业保险干什么？”</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >但如果你真正把社保和商业保险的关系搞明白，就会发现：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span style="color: rgba(0, 0, 0, 0.9)"><span text >有社保的人，反而更应该把商业保险配置起来。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9)"><span text >为什么？</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >跟大家聊一聊。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(64, 34, 15)">一</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >有社保，为什么还要买商业保险？</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >因为社保和商业保险，</span></span><strong><span><span text >不是替代关系，而是互补关系</span><span text >。</span></span></strong></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOtNaorIgtNTia57icWIVXKLDy1icWDY3Qljf7GX1Leibdibic5WH7sqFLGIaq6xs3MfNNAExIqgNHiaUW2KLLeyAaiabWqPOZN4TIe66o%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOtNaorIgtNTia57icWIVXKLDy1icWDY3Qljf7GX1Leibdibic5WH7sqFLGIaq6xs3MfNNAExIqgNHiaUW2KLLeyAaiabWqPOZN4TIe66o/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >打个比方，</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >社保就像你身上穿的一件基础打底衫，</span><span text >能保暖，但挡不住大风大雨</span><span text >；商业保险就是外面那件防风防水的外套，</span><span text >两个一起穿，才真的不怕变天</span><span text >。</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >具体来说，</span><span text >社保负责的是“保基本”</span><span text >，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >政府主导的，覆盖面广，是我们每个人最基础的一层保障，解决的只是一个</span></span><strong><span><span text >基本的医疗需求</span></span></strong><span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >主要有三个特点：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >第一，报销范围有限：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >主要报销</span><span text >医保目录内符合条件的费用</span><span text >，</span></span><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span text >很多自费药、进口药、先进治疗手段，社保不管。</span></span><strong style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >第二，报销比例有限</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >即使在医保范围内，也</span><span text >不是所有费用都能全额报销</span><span text >，剩余的还得自己掏。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >第三，保障水平有限</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span ><span text >社保解决的是 "看得起病" 的基本需求，真遇上大病，社保那点报销可能是不够的。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >那么商业保险负责的，就是“补缺口”</span><span text >。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >自愿购买、灵活配置，可以根据自己的年龄、收入、家庭责任和预算，选择不同的保障。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >它的作用，恰恰就是把社保覆盖不到的地方补起来：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >第一，覆盖社保外的自费项目</span></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >社保不报的自费药、进口药、先进治疗手段，商业医疗险在符合合同约定的前提下一般都能报销。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >我就拿</span><span text >市场上比较热门的、性价比很高</span><span text >的复兴联合的</span><span text >星相守2号百万医疗险</span><span text >为例，责任内的外购药械都能报，癌症外购药责任附加上也能报，还覆盖质子重离子治疗这种先进治疗手段。</span></span></section><section style="text-align: justify" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXONoOUR5Esbs6B0W4gvDA7m2YWuKd99I64vzg7eCJvThJbiaSEpIAH52RYd39r1s0CPrlaTph00nm34Fc4vCEUs0CJP6L5s86icM%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXONoOUR5Esbs6B0W4gvDA7m2YWuKd99I64vzg7eCJvThJbiaSEpIAH52RYd39r1s0CPrlaTph00nm34Fc4vCEUs0CJP6L5s86icM/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >第二，报销比例和免赔额更灵活</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >不少产品能做到100%报销，甚至0免赔。</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >星相守2号住院就能</span><span text >100%报销</span><span text >，也可以</span><span text >灵活选择1万免赔还是0免赔</span><span text >。</span></span></section><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOVWqyE6I8icScjTz231Da6TjQIgOoFgsagomC1L0dRWRicjsdoomOdBfwerrYONZA02WY9WKYoOpJEDBmAFcpnQRzLZC2fictN9Y%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOVWqyE6I8icScjTz231Da6TjQIgOoFgsagomC1L0dRWRicjsdoomOdBfwerrYONZA02WY9WKYoOpJEDBmAFcpnQRzLZC2fictN9Y/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >第三，覆盖更多风险</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >除了医疗，</span><span text >重疾、意外、身故这些风险，商业保险也都能管，解决大病后的收入损失、意外伤残以及家庭经济支柱身故等风险</span><span text >。</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >所以你看，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >社保打底，解决基础医疗费用；商业保险补充，解决社保覆盖不到的风险。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >两者不是谁替代谁，而是各自负责不同的部分。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >这就是为什么我说，</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >有社保的人，反而更应该把商业保险配置起来。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >因为社保已经帮你打好了基础，接下来要做的，就是根据自己的实际情况，把剩下的保障缺口补上。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></p><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text style="color: rgb(64, 34, 15)">二</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >有社保的人，为什么更应该买？</span></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >除了保障上的互补，还有一个非常现实的原因：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >有社保，买商业医疗险通常还能更便宜。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >因为有社保，相当于已经有了一层基础医疗保障。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >同样的年龄、同样的产品，有社保和无社保，保费可能会有明显差异。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >还是以星相守2号为例，</span><span text >30岁女性，选择1万免赔额，附加一个癌症外购药</span><span text >，</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >有社保</span><span text >，首年保费是</span><span text >194元</span><span text >，非常便宜；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果是</span><span text >无社保</span><span text >，首年保费是</span><span text >436元</span><span text >，贵了200多块。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >所以说，</span></span><strong><span><span text >如果本身有社保，再搭配一份商业医疗险，往往能用更低的保费，把医疗保障再往上补一层。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><br /></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >总之，</span></span><strong><span><br /></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >没有社保，建议优先买社保，再补充商业保险；</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >有社保，就重点看看自己的保障还有哪些缺口，针对性补充。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><span text >社保不是商业保险的替代品，商业保险也不是社保的替代品。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >两者搭配起来，才能把基础保障和高额风险都照顾到。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span><span text >如果你不知道自己目前的保障到底够不够，或者不知道该怎么搭配，</span></span><strong><span><span text >可以跟我聊一聊，我帮你具体分析一下。</span></span></strong></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><strong><span><br /></span></strong></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXPFCvycFF6Dz8o37Itje3Mibg2chicBA5KknicR0ribpjnBBb6bRPhJdTZyGPx1zuYYKFpjYB26HkOZEibdAOmm8kibwibljdiauQiawrWg%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXPFCvycFF6Dz8o37Itje3Mibg2chicBA5KknicR0ribpjnBBb6bRPhJdTZyGPx1zuYYKFpjYB26HkOZEibdAOmm8kibwibljdiauQiawrWg/640?wx_fmt=png&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><section><span><br /></span></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >另外，我打包了我们认为从0到1理解保险，打破信息差，我们每个人需要全面知道的四项内容给大家：</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第1-市场上最热的</span></span><span ><span text >「百万医疗险」</span></span><span ><span text >产品测评表</span></span></p><section style="text-align: center" nodeleaf=""><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FiaZHDj9icvRXM6bM2jr6CW7ueWomm2ibKpUgxxztZf2CeV7I9PASjpzAkvhYrSl26dUd5wjopD4DhWSqz3NrYSLiaTnclr9Pa3eQBjL1GicYvDdw%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/iaZHDj9icvRXM6bM2jr6CW7ueWomm2ibKpUgxxztZf2CeV7I9PASjpzAkvhYrSl26dUd5wjopD4DhWSqz3NrYSLiaTnclr9Pa3eQBjL1GicYvDdw/640?wx_fmt=jpeg&from=appmsg" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第2-最新更新的2类7大保险榜单</span></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXM1Wa9AeBLfKEJenEicTOHs9xErzoyvVPLlnr4xCEwe5EPofSUbG77G4kSro7r6HD6vVGGCGGrhia5DwfFPPnibSHY5BicbFlLk19s%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26tp%3Dwebp%26wxfrom%3D5%26wx_lazy%3D1%23imgIndex%3D11" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXM1Wa9AeBLfKEJenEicTOHs9xErzoyvVPLlnr4xCEwe5EPofSUbG77G4kSro7r6HD6vVGGCGGrhia5DwfFPPnibSHY5BicbFlLk19s/640?wx_fmt=png&from=appmsg&tp=webp&wxfrom=5&wx_lazy=1#imgIndex=11" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第3-我们懂保爷首创的极简养老规划指南</span></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FiaZHDj9icvRXOXQ1Zl2Yuer2Z4BXzfKnYhibboZbibfWyT6S4xkYjEOpkQQrNQkWnEwibsjmlKqfticTcH0aLia4sG9N8XR7f8gcgXiadGULWyPdoJU%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D10" data-origin="https://mmbiz.qpic.cn/mmbiz_png/iaZHDj9icvRXOXQ1Zl2Yuer2Z4BXzfKnYhibboZbibfWyT6S4xkYjEOpkQQrNQkWnEwibsjmlKqfticTcH0aLia4sG9N8XR7f8gcgXiadGULWyPdoJU/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=10" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >第4-每个家庭到底要买什么保险1对1深度讲解</span></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_jpg%2FiaZHDj9icvRXNU3C5c9rmMJszJJib0e9pPCeNxVv0v4hllibHFyEhsCqQq2D7SNcB75ruyHSeEcZicIWScvLWEke0s6vKgShchEuS94h6ic1IvibsY%2F640%3Fwx_fmt%3Djpeg%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D9" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_jpg/iaZHDj9icvRXNU3C5c9rmMJszJJib0e9pPCeNxVv0v4hllibHFyEhsCqQq2D7SNcB75ruyHSeEcZicIWScvLWEke0s6vKgShchEuS94h6ic1IvibsY/640?wx_fmt=jpeg&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=9" alt="懂保爷测评配图" loading="lazy" /></section><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><span text >扫码就能领取，我们一一发给大家。</span></span></p><p style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><br /></span></p><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4%2F640%3Fwx_fmt%3Dother%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D9" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXOiciaKOQNW6lr0g6ibibFtmcnqPzGgBzHLIh6hz1uTiarcEYZKBvwGzrBGgfzwEtiawGRBeS9t2nfGb6AT4cibuu64dPLcmKbByKuva4/640?wx_fmt=other&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=9" alt="懂保爷测评配图" loading="lazy" /></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span >有空的话，前面几篇重要文章可能也值得一看：</span></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><a target="_blank" href="https://mp.weixin.qq.com/s?__biz=Mzg5Njk3MTA5Mg==&amp;mid=2247505041&amp;idx=1&amp;sn=9a0215408448925e872d173a3dddcfd2&amp;scene=21#wechat_redirect" textvalue="中意又放大招！新品永续我爱（睿享版）值得买吗？" linktype="text">中意又放大招！新品永续我爱（睿享版）值得买吗？</a></span></span></section><section style="color: rgba(0, 0, 0, 0.9); 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text-align: justify"><span style="color: rgba(0, 0, 0, 0.9); text-align: justify"><span ><br /></span></span></section><section nodeleaf="" style="color: rgba(0, 0, 0, 0.9); text-align: justify"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fsz_mmbiz_png%2FiaZHDj9icvRXMuCG3QMkhibRZyYrxY3D1qCrhYjchQgeKSAQiarDj9G5VG8jBBSLRV3uf3vAibWm3O63icKn9bz8kTIibEQbTNtdbCUdUv3umOAgr4%2F640%3Fwx_fmt%3Dpng%26from%3Dappmsg%26wxfrom%3D5%26wx_lazy%3D1%26tp%3Dwebp%23imgIndex%3D3" data-origin="https://mmbiz.qpic.cn/sz_mmbiz_png/iaZHDj9icvRXMuCG3QMkhibRZyYrxY3D1qCrhYjchQgeKSAQiarDj9G5VG8jBBSLRV3uf3vAibWm3O63icKn9bz8kTIibEQbTNtdbCUdUv3umOAgr4/640?wx_fmt=png&from=appmsg&wxfrom=5&wx_lazy=1&tp=webp#imgIndex=3" alt="懂保爷测评配图" loading="lazy" /></section><section><span><br /></span></section><section style="color: rgba(0, 0, 0, 0.9); text-align: left"><span ><span text >点击“阅读原文”进入「保险商城」</span></span></section><p ></mp-style-type></p>