With social security, do you still need to buy critical illness insurance or medical insurance?

Hello, if you have enough money, you need it.

Although social security has a good protection function for many people, it is not comprehensive enough. Critical illness insurance's supplementary role in social security.

The so-called critical illness insurance, as its name implies, refers to an insurance that the insured can get compensation and support from the insurance company after suffering from a major illness. At present, social medical insurance is an important part of China's social insurance system. At the same time, it involves residents' pension, unemployment protection, compensation after work injury, maternity protection for women and housing provident fund protection for residents. These types of insurance together constitute a complete insurance system. However, in Bian Xiao's view, if the critical illness insurance and social medical insurance are tied together, the insured can feel more at ease.

Although social medical insurance covers most people, it also has its own defects. Mainly reflected in the following aspects:

First, social medical insurance is mainly aimed at enterprise employees, urban residents and rural residents. If they do not fall into the above categories, they will not be able to enjoy the benefits of social medical insurance. Critical illness insurance, a kind of commercial insurance, can be bought by everyone, covering a wider range. In this respect, critical illness insurance obviously goes further than social medical insurance.

Second, social medical insurance is mainly based on outpatient treatment and hospitalization, and the protection of major diseases is not enough. The critical illness insurance includes dozens of major diseases, such as some incurable diseases, which can be paid accordingly, which can be said to be a timely help.

Third, social medical insurance can only play a role when you need treatment, and if you buy critical illness insurance, you can get feedback whether you are sick or not, and it also has the function of maintaining and increasing value. If the insured dies of a serious illness, the beneficiary can also get a large amount of death compensation.

In this way, under the premise that social medical insurance is not comprehensive enough, it is indeed a wise choice to buy critical illness insurance.

To sum up, it is necessary to buy critical illness insurance even if you participate in social medical insurance. The purpose of doing this is to better protect your rights and interests and keep illness and pain away from you. Of course, the Pacific e health critical illness protection plan launched by Pacific Life Insurance is the best among critical illness insurance and can be used by you.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.