Should I buy medical insurance after buying social security?

Senior sister thinks that after buying social security, she needs to buy another medical insurance. Because the coverage of social security is actually quite narrow. Social security not only has a deductible line and a capping line, but also many drugs are not responsible for reimbursement.

In contrast, the reimbursement scope of medical insurance is much larger, not only the ceiling line is higher, but also a considerable number of drugs can be guaranteed. In contrast, commercial medical insurance can provide more comprehensive protection for the insured.

On this issue, senior sister said here first. If you still have questions about this, you can read the following article: With social security, you don't have to buy commercial insurance? What's the difference between social security and commercial insurance?

Medical insurance is worth our insurance, but we still have a lot of precautions when buying medical insurance:

1, give priority to products with guaranteed renewal.

Generally speaking, the coverage period of millions of medical insurance is only 1 year, and health information is still relatively strict, so many insured people will face the problem of renewal. However, there are some medical insurance on the market that guarantee renewal. During the guarantee renewal period, as long as the insured applies for renewal, the insurance company will continue to provide protection to the insured according to the insurance clauses.

Because of space reasons, senior sister said so many questions about renewing the contract. If you want to know more about the renewal of medical insurance, you can click the following link: How to renew your insurance and what should you pay attention to? An analysis!

2. Medical insurance cannot replace critical illness insurance.

Although medical insurance and critical illness insurance are both health insurance, they are complementary. Medical insurance is reimbursement insurance, which can reimburse the insured's medical expenses according to a certain proportion. Critical illness insurance, on the other hand, is payment insurance, which can provide an insurance premium for the insured when he is seriously ill. Both medical insurance and critical illness insurance can provide protection for the health of the insured, and they are excellent health insurance worthy of our purchase.

Seeing this, if you still feel that you don't need to buy critical illness insurance with medical insurance, please read the following article: After reading these shortcomings of medical insurance, you will know why you need to buy critical illness insurance.

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