Is it better to buy social security or peace and happiness?

Hello, in fact, your question is social security or commercial insurance. Social security is the most basic guarantee, and commercial insurance is the supplement of social security. If it is the choice of social security and peace and well-being, I personally suggest choosing social security first, and then planning commercial insurance after the economic conditions are sufficient. Of course, Ping An Fu is the insurance with the lowest premium and the highest guarantee at present. Considering your age, it is very appropriate to choose Ping An Fu.

My friend Aunt Yi Shi compared social security with commercial insurance. Let me summarize in what ways commercial insurance can supplement social security:

1, the social security pension has no beneficiary. If there is an accident in the middle, the money paid may be more than the money received; Commercial insurance, in any case, ensures that more money is taken than paid, and even if it does not receive the prescribed number of years, future generations can inherit or give a large amount of death insurance money.

2. Social security medical services do not reimburse ordinary accidents, and commercial insurance accidents are reimbursed at 100% (compensation is not allowed below 100 yuan).

3. Social security medical care for major diseases can only be reimbursed after discharge (but at present, major social security diseases cannot be reimbursed at all). The threshold fee for medical care for diseases is capped, and reimbursement is incomplete. Some imported drugs and good drugs are not reimbursed. Commercial insurance, as long as the hospital is diagnosed, with the hospital's diagnosis certificate, no matter how many times the payment is made, it will be paid according to the insured amount agreed in the contract.

4. Only the money was paid for the accidental death of social security, and the funeral expenses and the pension of personal account in social security were all gone. Commercial insurance is the amount of insurance and the amount of compensation. As long as the money is in the social security fund, social security can't be collected. Social security requires a minimum payment of 65,438+05 years. Social security protects itself. If you die before the retirement age, you won't get any money except the pension you have already received. Commercial insurance: the payment period is determined by yourself, generally 10, 15, 20 years or 30 years, and you can choose according to your ability to pay. If you want to surrender, you can get a certain cash value of the policy. If you die, paying the death pension to the designated or legal beneficiary will leave a guarantee fund for your family!

In terms of old-age care, social security is paid according to the living standard and payment period at that time. If you live long, you earn; if you live short, you lose. If you want to receive a pension, you must pay a premium of 15 years. Commercial insurance is how much insurance to pay, and death is guaranteed.

I am safe in Shenzhen, I hope my answer can help you, and I hope it will be adopted!

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