Will commercial insurance conflict with social security?

Social security and commercial insurance do not conflict, but complement each other. If you carefully study the characteristics of social security, you will find that it is not enough to rely solely on social security to support the elderly or see a doctor. With the passage of time, the pension replacement rate has gradually declined. At present, the replacement rate of social security pension for enterprise employees has dropped to 40%. In other words, the pension provided by social security for individuals can only meet 40% of the retirement living expenses, and there is a big funding gap. From the medical point of view, social security medical reimbursement is not only limited by the amount, but also by the scope of reimbursement. The scope of social security drugs is also relatively narrow, and new drugs, imported drugs and pre-treatment projects are not included in the scope of social security medical insurance reimbursement.

Social security insurance, referred to as social security, is a kind of insurance led by the state. Generally, it refers to the basic old-age insurance for urban workers, which is jointly paid by individuals, units and local governments, and the local government is used to pay the old-age insurance for the elderly. Why do you need to buy commercial insurance when you have social security? Because social security is a welfare policy, it covers a large area and only meets the most basic protection. For us personally, it is not enough to resist the risk of life.

If you really want to get medical care for your illness and provide for your old age, it is recommended to allocate commercial insurance, strengthen and supplement it, and build a complete family risk protection network to protect family happiness when economic conditions permit.

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