有社保者如何选择商业医疗保险对于老百姓而言,有无社会医疗保险,是投保商业保险前首先要考虑的因素。拥有医保的市民,通过个人医保账户和社保统筹部分,每年约有70%的医疗费用都可以通过社保报销。因此,在投保时可优先考虑收入津贴型医疗保险,以借此弥补生病请假带来的收入损失和自己支付的部分医疗费用。其次是意外医疗保险。意外医疗保险属于费用报销型医疗保险,一般是附 How Social Security Providers Choose Commercial Medical Insurance For the common people, whether there is social medical insurance or not is the first factor to consider before insuring commercial insurance. The citizens who have medical insurance, through the personal medical insurance account and the social security co-ordination section, can reimburse about 70% of their annual medical expenses through social security. Therefore, income-subsidized medical insurance can be given priority when insured, in order to compensate for the loss of income caused by sick leave and part of the medical expenses paid by itself. Followed by accidental medical insurance. Accidental medical insurance is an expense reimbursable medical insurance and is generally attached