My family of four didn't buy medical insurance and social security. Is there no place to reimburse me if I am sick?

Yes, and when you are sick, it will bring a great burden to your family, so I suggest at least buying social security.

Medical insurance in social security is the basis of family security. If you don't buy it, for families with average economic conditions, the current happy life is a castle in the air, but it will fall. I often see spontaneous or serious illness fundraising information forwarded by friends in my circle of friends. Seeing this, the subject should know that the ability of an accident or a disease to destroy a family has not been exaggerated, but only stated a fact.

Medical insurance is a medical benefit provided by the state to the whole people. It is not enough to support the whole medical insurance system by relying on everyone's own money, but more depends on the financial support of our country or local government. Of course, such a good thing must be attended quickly. I suggest you buy medical insurance. However, medical insurance also has great shortcomings, such as the limitation of reimbursement ratio, the limitation of reimbursement scope (especially for serious illness and many drugs at one's own expense), the limitation of reimbursement deductible line and online, and the limitation of medical treatment in different places. Therefore, it is necessary to purchase commercial insurance as a supplement. However, although there are many commercial insurance products, it may not be appropriate to buy them rashly.

Diseases and accidents are risks that everyone must face. Diseases and accidents can cause the following situations, and each situation has corresponding insurance.

1, sick or injured, but nothing serious.

In fact, medical insurance can basically be solved, and the self-funded part is not a big deal, because it is not serious and the family can fully afford it.

2. Death due to illness or accident

Emotional and economic double blow, emotional injury can not be solved by any insurance, but can only be adjusted by itself, but insurance can compensate for a sum of insurance money to make up for the decrease of family income. Accident insurance, critical illness insurance and life insurance all include death insurance; However, accident insurance is only for accidental death, life insurance includes accidental death and illness death, and critical illness insurance depends on the specific product type. Some types only focus on compensation for serious illness, while others do both.

3. Diseases or accidents cause serious diseases and even disabilities.

Medical expenses are high, and I have to stay at home for a long time after discharge. If you are disabled, you will face difficulties in life. In this case, you not only solve the problem of reimbursement of medical expenses, but also need an insurance money to make up for the long-term or long-term income loss.

Finally, families need four kinds of commercial insurance: accident insurance, medical insurance, critical illness insurance and life insurance. Different families choose reasonable collocation according to different needs.