Social medical insurance is divided into two parts, basic medical insurance and supplementary medical insurance for serious illness. The maximum reimbursement amount of basic medical insurance is 6,543,800+0.5 million, and the maximum reimbursement amount of critical illness supplementary medical insurance is 400,000, totaling 550,000.

Of course, if the social medical insurance reimbursement reaches 550,000, it means that individuals have spent more than 550,000 on medical expenses.

As we all know, social medical insurance is originally to solve the most basic medical security problem, and the insufficient part is supplemented by commercial medical insurance first. The highest reimbursement amount of commercial medical insurance can reach 2.03 million or even higher, and the reimbursement ratio is 1.000%. The combination of commercial medical insurance and social medical insurance can solve the problem of reimbursement of medical expenses first, so that patients can get adequate treatment and their families need not be overwhelmed.

This is the most basic function of commercial medical insurance and social medical insurance. Unfortunately, the public doesn't understand the importance of malicious misleading of critical illness insurance by insurance companies and their salesmen, and the premium in critical illness insurance is high and the insured amount is low, so that not only ordinary people can't afford critical illness insurance, but also critical illness insurance is not medical insurance at all, which can't solve the huge problem of medical reimbursement.