Why buy commercial insurance? With social security, do you still need to buy commercial insurance? What are the advantages of buying commercial insurance?

Commercial insurance is an effective tool to transfer risks. With social security, you need to buy commercial insurance to supplement the security gap. Buying commercial insurance can reduce the impact of uncertain risks on personal financial situation.

We are faced with all kinds of risks in our daily life, and some risks bring economic losses that individuals can't bear, so we need to buy commercial insurance to help us transfer the economic losses caused by diseases, accidents or death risks.

If friends who want to buy commercial insurance are still struggling, take a look at this article first: Do you want to buy insurance? If we don't get out of danger, won't the money be wasted?

With social security, commercial insurance needs to be supplemented. Because social security can only reimburse expenses within the scope of the catalogue, and there is an upper limit for reimbursement expenses every year, after reaching the highest limit, it can no longer be reimbursed. Therefore, social security is the most basic guarantee. If you want to achieve relatively perfect personal protection, you need to buy commercial insurance to supplement the protection gap.

Friends who don't know the difference between social security and commercial insurance can read this article: What are the benefits of buying social security? Social security or commercial insurance? What's the difference between social security and commercial insurance?

Buying different commercial insurance can meet our different needs. Guarantee insurance can provide protection for individuals and give certain economic compensation after risks occur. Financial insurance can help us invest in financial management and bring some benefits.

However, it should be noted that the principle of purchasing commercial insurance is to protect first and then manage money. In other words, on the basis of the existing social security, priority is given to critical illness insurance, medical insurance, accident insurance and term life insurance.

Critical illness insurance is a payment insurance, and claims can be used to make up for the loss of income caused by serious illness. Medical insurance can reimburse necessary and reasonable medical expenses within the prescribed scope; Accident insurance can usually provide accidental death, accidental disability and accidental medical protection; Term life insurance can pay a sum of insurance money when the insured dies, helping the family to tide over the financial difficulties, which is more suitable for the family economic pillar people to buy.

If you want to know more about common insurance, you can also read this article: What is the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims?

Hope to adopt

The same number on the whole network: Xueba said insurance, welcome to search!