The company bought social security, but asked employees to buy commercial insurance separately. Is it necessary to buy it?

The unit bought social insurance, but asked employees to buy commercial insurance separately, in order to make up for the "loophole" of social insurance. Employees can choose whether to buy commercial insurance according to the type of insurance, the amount of premium and the underwriting institution.

If the commercial insurance proposed by the company cannot make up for the "loophole" of social security, the premium amount is too high or the underwriting institution is unreliable, employees can negotiate with the company to cancel such commercial insurance and tighten their wallets. On the contrary, employees can follow the advice of the unit and buy commercial insurance to provide multiple guarantees for their future lives.

Social security is only the basic guarantee, and commercial insurance can make up for the "loopholes" of social security, that is, "social insurance", such as unemployment insurance, endowment insurance and medical insurance. Only the basic social security provided by the relevant state institutions can not resist all "storms" for the insured, but can only provide some basic living security.

Therefore, when the unit advises employees to buy life insurance, critical illness limit or health limit provided by insurance companies, employees can decide whether to buy according to the payment amount, years and guaranteed rights and interests.

Whether the underwriting institution of commercial insurance is formal or not determines the necessity of buying insurance. There are many commercial insurance companies in the market, both good and bad. Some companies are very likely to be confused by the high returns of commercial insurance, and encouraging employees to buy these seemingly high returns is actually a scam. When employees "yield", they are cheated.

Therefore, in order to avoid this situation, it is suggested that when recommending commercial insurance, units should try to choose commercial insurance from regular large insurance companies to avoid employees being "pitted".

Employees can choose whether to buy commercial insurance according to the type of social security provided by the company. Some units provide relatively perfect social security, and the guarantee is in place. At this time, if employees feel unnecessary, they can not buy commercial insurance. On the other hand, if the types of social security provided by the unit are relatively simple or not suitable for them, employees can choose whether to buy commercial insurance according to their personal circumstances.

The situation of employees is different, and it is impossible for the company to satisfy everyone when recommending commercial insurance. In order to avoid recommending too much commercial insurance, companies can choose some relatively practical commercial insurance and recommend employees to buy it to make up for the "loopholes" in social security.

Commercial insurance is not necessary, but some "good insurance" can still be bought. In the eyes of some people, the social security provided by the unit is enough, and there is no need to buy commercial insurance. But unlike social security, there are many kinds of commercial insurance to protect rights and interests. Choosing some commercial insurance that suits you will make your future life more secure. For example, some people have genetic diseases at home. In order to avoid risks, they can purchase the medical limit for critical illness provided by insurance companies, so as to increase the security for their later life.

In addition, it should be noted that if the social security provided by the unit has no medical limit or the medical limit protection is not strong enough, employees can purchase the commercial medical limit suggested by the unit.

Whether it is social security or commercial insurance, in the final analysis, it is only a guarantee. It requires units and employees to come up with some money to "pay" for the future. A little more protection is good, but there is no need to repeat it, which is invalid. Employees can choose whether to buy commercial insurance according to their personal circumstances.