What are the advantages of combining social security and commercial insurance?

Social security is the foundation and the most basic guarantee, and commercial insurance is the supplement. For those without social security, buy social security first and then consider commercial insurance. To achieve better protection, it is necessary to combine social insurance with commercial insurance. Some people say: if you have social security, you don't want commercial insurance. Yes, social security is good. Everyone knows that every car is equipped with brakes. When the driver sees that there may be danger ahead, he may use the brakes to avoid it, but all risks cannot be ruled out. Why are more and more cars equipped with seat belts and even airbags? It is precisely because these devices are auxiliary safeguard measures that the safety of the people on board can be guaranteed to the greatest extent. Social security is like brakes, and commercial insurance is seat belts and airbags, which is a useful supplement to the medical insurance system. No one doesn't need a seat belt just because he has a brake, and no one doesn't need a brake if he has a seat belt. More and more people will want to use advanced airbags. Commercial insurance can be used as a supplementary means for those with social security. For those without social security, my suggestion is to have social security first, and then consider commercial insurance. After all, social security is the foundation, and commercial insurance is the supplement and investment. There are too many unfortunate cases in life, such as mine accidents, fires and plane crashes ... Social security does not compensate these dead people, but only returns the money from personal accounts in social security to the survivors. What should survivors do at this time? How to pay back the mortgage and car loan? Social security is not responsible for other situations, such as car accidents or other misfortunes during travel. In addition, when people are disabled or seriously ill and cannot work normally, their income will be reduced or even unemployed, and social security can do nothing about it. Generally speaking, basic medical security can only be at a low level, "guarantee" rather than "package". "Insurance" means that there is a basic guarantee, and the excess is mainly solved through commercial insurance. In addition, social security fails to protect the medical insurance of students, farmers and urban floating population, and can only be solved through commercial insurance. As we all know, taking cancer as an example, many chemotherapy drugs are excluded from the medical insurance catalogue, and new life-saving drugs and imported drugs are also excluded from medical insurance. For example, cardiovascular diseases that are prone to middle-aged and elderly people need stents, and materials are imported for tens of thousands or hundreds of thousands of yuan, but imported materials are often excluded from medical insurance. How to solve this part of the money? What can often affect our lives are major diseases or major accidents, and in these cases, the amount involved that cannot be included in medical insurance reimbursement is not a decimal. Except that the medical expenses cannot be completely solved, the patient is hospitalized and asks for sick leave. Bonuses and various subsidies will naturally be deducted during sick leave, and you can only get the basic salary. The wages they get are not enough to buy nutrients, which is tantamount to adding insult to injury to the patients' lives. It is precisely because of these shortcomings of social security that the market of commercial insurance has been achieved. Therefore, in order to achieve security, it is necessary to apply for insurance that combines social security and commercial insurance. I suggest you choose the insurance products that suit you according to your different situations, so as to realize a better new life.