Do you still need to buy commercial insurance if you have social security?

There is a need. The coverage of social security is limited, and social security cannot play a good role in the face of major disease risks, accident risks and death risks. So we need to buy commercial insurance to protect these risks, such as medical insurance, critical illness insurance, accident insurance and term life insurance.

Millions of medical insurance:

Medical insurance only covers medical expenses in the medical insurance catalogue, and hospitalization expenses outside the medical insurance catalogue cannot be reimbursed, so we need to supplement and buy a million medical insurance. Million medical insurance is a product with high insurance leverage. For a 30-year-old population, two or three hundred yuan can buy millions of insurance coverage, and the reimbursement ratio can reach 100% (medical insurance reimbursement ratio is 85%), and medication is free.

Critical illness insurance:

According to "20 12 China Health Statistics Yearbook" issued by the Ministry of Health, the incidence of serious diseases in China has reached 72. 18%, and it is on the rise year by year. For major diseases, we really need to pay attention to serious diseases. Critical illness insurance refers to the insurance company's one-time payment according to the agreement after the insured gets the disease agreed in the insurance contract. This money can be distributed freely, and medical expenses can be paid without medical insurance. In the case of medical insurance, it can make up for the loss of economic income. After all, the average person has no financial resources during treatment, but the daily expenses are still needed, even more.

Accident insurance:

Accident insurance is also an insurance that provides people with accidental risk protection. Generally speaking, within the agreed insurance validity period, if the insured has an accident, resulting in physical disability or death, the insurance company will provide the insured with a certain amount of compensation according to the relevant agreement in the insurance contract. Accidents in accident insurance must meet the following four points at the same time: accident, foreign, non-disease, sudden and indispensable. Accidents are inevitable, but we can reduce the economic losses caused by accidents by buying and selling accident insurance.

Term life insurance

In the event of death or total disability of term life insurance during the insurance period, the insurance company will directly pay a sum of money. As the pillar of the family, it is very necessary to buy life insurance, especially for people with car loans and mortgages. After buying accident insurance, they also have a sum of money for their families to maintain for a period of time.

Insurance is a complicated knowledge, so it is recommended to buy it under the guidance of relevant professionals to avoid buying it wrong.

I hope my answer is helpful to you.