Do you still need to buy social security when you have commercial insurance? Is it too heavy?

You don't have to buy this, but you can consider buying it if you have sufficient funds, because commercial insurance is a supplement to social security.

1, the social security coverage is wide, and there is no problem of refusing insurance, but the security is low, which can only meet the basic security needs. Medical insurance in social security, hospitalization can generally be reported to 70%. And after deducting the deductible standard, 70% of medical expenses are limited. In addition, in the prescription drugs and prescription items of social security. Many inspection fees, expert diagnosis and treatment, high-tech diagnosis and treatment technology, and social security are not reported. This requires necessary commercial insurance.

2. In addition, after being discharged from the hospital, it is reported to social security medical care, and the critical illness insurance in commercial medical insurance can give money after diagnosis, which can make up for the predicament that many families have no money for treatment;

3. Commercial insurance can choose to buy higher insurance coverage, while social security is very limited; Social security medical care only compensates medical expenses, and there is no compensation for income loss during hospitalization. Commercial medical care has hospitalization subsidies.

In short, it is suggested that after having social security, you should buy life insurance that suits you, plus accident insurance, hospitalization insurance and critical illness insurance, which is a perfect guarantee.