The significance and function of commercial insurance, do you still need to buy commercial insurance if you have social security?

The significance of commercial insurance is that it can be used as a supplement to social security. After buying social security, you also need to buy commercial insurance. Not all expenses can be reimbursed because social security reimbursement is limited. For example, medical insurance reimbursement is limited. Drugs that are not in the medical insurance catalogue cannot be reimbursed, while commercial insurance does not have such restrictions. Therefore, after social security, you still have to buy commercial insurance.

There is still something unclear about this. You can also read this article again: with social security, you don't have to buy commercial insurance? What's the difference between social security and commercial insurance?

The importance of commercial insurance has been mentioned earlier. Let's talk to you about some matters needing attention in purchasing commercial insurance.

1, giving priority to safeguard insurance.

Senior sister suggested that when allocating commercial insurance, priority should be given to guaranteed insurance, otherwise, when there are physical problems, financial insurance can not provide protection for itself. Common types of insurance include critical illness insurance, medical insurance, accident insurance and life insurance. If you don't know what kind of insurance you are suitable for, you can take a look at the suggestions given in this article: What is the difference between critical illness insurance, medical insurance, accident insurance and life insurance? Will there be conflicts when making claims?

2. Read the disclaimer clearly

Under normal circumstances, if the insured falls within the scope of the exemption clause after the accident, the insurance company can refuse to pay compensation. Therefore, we should pay attention to the relevant exemption clauses when applying for insurance, so as not to cause some unnecessary disputes when settling claims. Some matters about the exemption clause are sorted out by the senior sister in this paper. Interested friends can have a look: what is the exemption clause of insurance? What do you think? If you don't understand, you will suffer a big loss!

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