The first thing you need to do is to get a good deal on a new product, and then you can buy it.

Social security is the foundation, commercial insurance is just another guarantee, it is recommended to buy social security, and then in addition to the purchase of the corresponding commercial insurance to supplement, you can choose some medical insurance, and pension insurance, or financial pension insurance, Ping An, life are there.

The difference between commercial insurance and social insurance:

(1), the nature of the different: social insurance has the protection, not for profit; commercial insurance has the operation, in order to pursue the economic benefits for the purpose.

(2), the establishment of different bases: social insurance is established on the basis of labor relations, as long as the formation of labor relations, the employer must apply for social insurance for the employee; commercial insurance is voluntary, in the form of a contract to establish the rights and obligations of the two sides.

(3), the management system is different: social insurance is managed by government departments; commercial insurance is managed by insurance companies.

(4), the object is different: the object of social insurance is the workers, the scope of which is regulated by the law, subject to the limitations of the qualification conditions; commercial insurance is the object of the natural person, the policyholder is generally not subject to limitations, as long as the voluntary insured and are willing to fulfill the terms of the contract.

(5), the scope of protection is different: social insurance to solve the vast majority of workers' livelihood security; commercial insurance to solve the problem of only a part of the insured.

(6), different sources of funds: social insurance funds are shared by the state, enterprises and individuals; commercial insurance funds only a single source of premiums.

(7), the treatment is different: the principle of social insurance treatment is to protect the basic life of workers, insurance treatment is generally taken in the form of monthly payments, and with the growth of the average social wage adjusted annually; commercial insurance according to the principle of "more insurance, fewer insurance, do not vote not insured," to determine the standard of claims.

(8), time is different: social insurance is a stable, continuous system; commercial insurance is a one-time, short-term corporate behavior.

(9), the legal basis is different: social insurance is legislated by the labor law and its supporting regulations, while commercial insurance is legislated by economic law, commercial insurance law and its supporting regulations.