What insurance should I buy without social security?

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1. Social security and medical insurance are classified by payment method: 1. Units pay medical insurance for urban workers, and medical expenses are paid quarterly. 2. Medical insurance paid by individuals is a kind of social medical insurance. At present, the health department is responsible for most areas. 2. Social medical care includes medical care for urban workers, rural cooperative medical care and medical insurance for urban residents. The coverage of the three insurance systems is different, and the payment method and reimbursement ratio of medical expenses are also different. The social security law stipulates that the same person cannot participate in multiple medical insurances. 1. Medical insurance for urban employees: All employers and their employees in cities and towns must participate in basic medical insurance, including enterprises, institutions, social organizations, private non-enterprise units and their employees. 2. Basic medical insurance for urban residents: The basic medical insurance for urban residents combines individual contributions with government subsidies. Students, children and other non-employed urban residents in primary and secondary schools (including vocational high schools, technical secondary schools and technical schools) not covered by the basic medical insurance system for urban workers may voluntarily participate in the basic medical insurance for urban residents. 3, the new rural cooperative medical system: 4, social security is paid by the unit and the individual, that is, the so-called five insurances and one gold are: 1, medical insurance: 2% for the individual and 8% for the unit; 2. Endowment insurance: 8% for individuals and 20% for units; 3. Unemployment insurance: individual 1%, unit 2%; 4. Industrial injury insurance: no individual, unit1%; 5. Maternity insurance: no individual, unit1%; Provident fund: 3.5% for individuals and 3.5% for units. Work injury and maternity insurance expenses shall be borne by the unit. 5. If you don't have a work unit and want to be affiliated with it, all the expenses will be borne by yourself, and the social security expenses will be paid by individuals, which is less than that paid by individuals. Because nominally the individual pays 20%, the unit pays 8% to the individual and the unit pays 20% by itself, so the cost will be much higher. Social security contributions are not fixed, but increase with the increase of social wages. You may not get your capital back if you don't live long. Can only be regarded as a contribution to society. Can only solve the problem of food and clothing, at best, welfare. There is an upper limit to how much money can't be spent and how much money can be quoted in proportion. Limited by the types of drugs and bed standards of inspection items, the charging thresholds of different levels of hospitals are also different. Sixth, commercial insurance just makes up for the shortage of social security, and the payment is fixed, and the payment pressure is getting smaller and smaller. You can go back to your capital, and you can use dividends to fight inflation. Flexible use of funds, you can make policy loans. Serious illness can be repeated claims, and hospitalization for serious illness and minor illness is charged. And it can be reimbursed repeatedly if there is no conflict between social insurance and rural insurance. Not limited by drug types and testing items. Major diseases don't have to be hospitalized to be reimbursed, but they can be reimbursed if they are diagnosed in an emergency. There is also the function of exempting from paying insurance premiums after serious illness.