On social security issues

If you have a mine at home, you can buy insurance or not.

Like me, I still move bricks every day for the house, car and children. Not if the volume is slow. I suggest buying some insurance!

Although young and healthy, people in their twenties and thirties are still struggling. Their financial background is not thick, but their economic pressure is not small, and their ability to resist risks is very weak.

Everything goes well, and it is of course best not to need insurance, but it can be said that a random disease or accident will be devastating to individuals and even the whole family.

Whether it is necessary for young people to buy insurance, most people consult me privately, and the problems mainly focus on the following aspects:

The company bought me social security, so I can reimburse my medical expenses. Is it necessary to buy commercial insurance?

I am in good health, and there is a high probability that I will not get sick. Is it really useful to buy insurance?

I don't earn much. How to buy insurance is more cost-effective

I will answer them one by one in this article!

If you are considering buying insurance, but you don't know what insurance to buy, or you have consulted many insurance sales, but you still don't know how to buy it.

Then you must collect this ultra-detailed insurance guide for young people!

At the end of this paper, three sets of insurance schemes are formulated according to different budgets for your reference. In the case of good health, you can buy directly according to your own budget, which is cost-effective!

Long story, all dry goods! If you don't have time to read the full text, it is recommended to like+collect it first, so as not to find it when you need it later.

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The company bought social security, is it necessary to buy commercial insurance?

What insurance should young people buy?

How do young people buy insurance to save the most money?

How should young people with different incomes buy insurance? 3 sets of super cost-effective solutions for your reference!

5.202 1 annual recommendation of the most cost-effective critical illness insurance (click to view)

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First, the company bought social security, is it necessary to buy commercial insurance?

Social security and commercial insurance are both insurance, and the essence of insurance is to hedge risks.

People often ask me: "Do I still need to buy commercial insurance after the company has paid social security?"

This question is actually translated as "can national medical insurance hedge all the risks in my life?" "。

Let's first look at what social security can guarantee.

Social security is a national inclusive welfare system, which covers a wide range and needs to take care of the vast majority of people, mainly to give everyone a basic pension and medical security.

There are basically two risks that it can cover, the most basic pension and the reimbursement of some hospitalization expenses.

The amount of pension is related to the payment period and the payment amount. The more you pay, the more you will get after retirement, and the average person will be thousands of dollars taller. The proportion of medical insurance reimbursement is about 50%-70%, and the proportion and scope of reimbursement are limited.

Let's see how medical insurance is reimbursed.

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1, limiting the reimbursement ratio.

Medical insurance reimbursement has a deductible line and a maximum reimbursement limit.

The deductible refers to the minimum reimbursement amount. Simply put, only the part that exceeds the deductible line can be reimbursed, and the part that does not exceed it cannot be reimbursed.

The ceiling is also the ceiling line, which refers to the upper limit of reimbursement, which means that no matter how much money is spent, social security reimbursement can only be reported so much.

Reimbursement limit ≥ final reimbursement amount = (treatment expenses-expenses beyond reimbursement scope-deductible line) * reimbursement ratio.

The upper limit of hospitalization reimbursement varies from place to place, and the upper limit of reimbursement in economically developed big cities is much higher than that in second, third and fourth tier cities.