Social security and commercial insurance can only buy one. Which one should I buy?

1, social insurance is compulsory, and the state stipulates that enterprises must buy it for employees, including basic old-age insurance for employees, basic medical insurance for employees, industrial injury insurance, unemployment insurance and maternity insurance. Old-age insurance, medical insurance and unemployment insurance are paid by enterprises and individuals in proportion, while industrial injury insurance and maternity insurance are paid by enterprises, and individuals do not have to pay.

Pay the basic old-age insurance 15 years, and you can get a pension at retirement age. Basic medical insurance is also an indispensable basic medical insurance. Many commercial medical insurance reimburses people with medical insurance at a higher rate than those without medical insurance.

2. Commercial insurance is an insurance product voluntarily insured by enterprises or employees themselves. The scope and amount of coverage shall be decided by the enterprise or employee through consultation with the insurance company. Commercial insurance is free, with a wide range of choices and a great responsibility for protection. Accident insurance, accident medical insurance, hospitalization insurance, serious illness insurance, income allowance insurance, etc. Can be insured. Enterprises can insure group accident insurance and group medical insurance for employees, or employees can buy commercial insurance themselves.

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