I have insurance social security. Do I still need to buy commercial insurance?

When it comes to commercial insurance, many people will say, "I already have social security, so I don't need to buy any more insurance!" " "So, after we have social security, do we still need to buy commercial insurance? Here are some related explanations about this problem.

I. Similarities and differences between social security and commercial insurance

1, social security contributions will increase every year, while commercial insurance contributions are fixed.

2. Social security pension has no beneficiary. If there is an accident in the middle, you may pay more than you receive. Commercial insurance, in any case, ensures that more money is taken than paid, and even if it does not receive the prescribed number of years, future generations can inherit or give a large amount of death insurance money.

3. Social security medical care does not reimburse ordinary accidents, but commercial insurance reimburses 100%.

4. Social security medical care for major diseases

It can only be reimbursed after discharge, and commercial insurance, as long as the hospital is diagnosed, will pay the insured amount with the hospital's diagnosis certificate, no matter how many times it has been paid.

5 social security accidental death only gives money and funeral expenses and personal account pension in social security, and other compensation is gone. Commercial insurance is the amount of insurance and the amount of compensation.

Second, social security: as long as the money exists in the social security fund, it cannot be collected. Social security requires a minimum payment of 65,438+05 years. Social security protects itself. If you die before the retirement age, you won't get any money except the pension you have already received.

Commercial insurance: the payment period is determined by yourself, usually 3 years, 5 years, 10 years, 15 years, 20 years or 30 years. You can choose according to your ability to pay. If you want to surrender, you can get the cash value of the policy. If you die, paying the death pension to the designated or legal beneficiary will leave a guarantee fund for your family!

Commercial insurance is the continuation and supplement of social security!

Third, social security is only the basic guarantee. It is a kind of social welfare given by the state to the people, but it is not omnipotent. We can only guarantee our basic living standards and basic medical care. It is a "guarantee" rather than a package, and commercial insurance is a supplement. Ensure that financial freedom and quality of life will not change in old age, and in case of major illness, you can have more cash to solve huge medical expenses. Just as there are nine countries now, supplementing commercial insurance is the best way. The same reason!

Fourth, for adults, to buy insurance, they should buy social security first, and then they can choose to buy some commercial insurance as a supplement. Because social security is the foundation and commercial insurance is the supplement. There are some basic principles for buying commercial insurance, such as: adults buy first, children buy later; First base, then perfect; First near, then far ... and so on. It should be very necessary to understand and follow these principles. Accidental injuries, health problems and pension problems are the biggest risks that everyone may encounter at any time. Once such a risk is encountered, it may directly affect the fate of a person or a family. Therefore, all three risks should be guaranteed.

Generally speaking: everyone's ideal basic effective protection: lifelong health insurance should be no less than 300 thousand yuan; Accident insurance should be no less than 200,000 yuan/year; Endowment insurance should be no less than 65438+ 10,000 yuan. Commercial insurance can not be solved by one copy, but also according to one's ability. For wage earners, the cost of purchasing commercial insurance should be about 15% of annual income. If it is less, the degree of protection may not be enough; If it exceeds, it may have some adverse effects on your daily life, so please find a professional agent to plan protection for you.

Verb (abbreviation of verb) is about social security, which is characterized by "no package, low security and wide coverage" and needs the supplement of commercial insurance. There is an upper limit on the threshold fee for social security medical treatment, and the reimbursement is incomplete. Some imported drugs, good drugs and expensive drugs are not included in the reimbursement scope. Commercial insurance is different, such as

critical illness insurance

If it is diagnosed as a major disease as stipulated in the contract, the insured amount will be paid. In terms of old-age care, social security is paid according to the living standard and payment period at that time. If you live long, you earn; if you live short, you lose. If you want to receive a pension, you must pay a premium of 15 years. Commercial insurance is how much insurance to pay, and death is guaranteed. It is suggested that social security lay the foundation and commercial insurance supplement.

6. Simply put, social security is the unit welfare housing distribution, and commercial insurance is the commercial housing purchased by itself. The proportion of commercial insurance in family income is increasing, so as to ensure a known sum of money in the unknown days in the future, improve life and embody love and responsibility! Commercial insurance is your lifelong guarantee! In life, like air and water, it is necessary!

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.