Are there any limitations of social security?

Abstract: Social insurance has its limitations, and only social insurance is not enough. It is necessary for us to make full use of other financial management tools to make a good plan. In recent years, with the rapid development of China's economy and the rising comprehensive strength, the scope of social security has been expanding, and the intensity of security has also increased accordingly. However, if you want to ensure that your quality of life will not be affected when risks occur, only social insurance is not enough, and appropriate commercial insurance needs to be supplemented. Then, what are the limitations of social security and do you really need commercial insurance to supplement it? ! Analysis of social security limitations of health insurance 1. Non-work-related accidents are not guaranteed (no medical expenses compensation, income compensation during hospitalization, major compensation for accidental injuries or death compensation) Related links: accidental injuries cannot enjoy medical insurance (Southern Metropolis Daily)

Second, there are many restrictions on reimbursement of medical expenses for diseases: social security reimbursement is mainly aimed at hospitalization expenses, with strict drug use restrictions, and the proportion of out-of-pocket payment ranges from 65,438+00% to 20% ~ 50% ~ 65,438+000%, and there is an upper limit for reimbursement (the limit is related to continuous enrollment).

Three, the loss of income caused by hospitalization can not be guaranteed (except for industrial accidents)

4. No compensation for major diseases: In case of major diseases, besides medical expenses, there will be many complicated expenses that cannot be guaranteed.

5. Social security, work-related injuries, medical treatment for diseases and old-age insurance are all employees' own protection, but family members can't enjoy them. There are two reasons for leaving your family unexpectedly and permanently:

Accidental death (such as traffic accident, being attacked by gangsters, etc.). ) can be divided into industrial accidents and non-industrial accidents.

If you want to get comprehensive protection, commercial insurance is essential! ! ! The departure of the head of the family will take away the source of income on which the family depends. Once the income drops sharply or even interrupts, the high mortgage balance or other debts, the children's education expenses, the economic dependence of their wives, etc. It will overwhelm the family.

Behind the emphasis on life is the responsibility and love for the family. Analysis of Social Security Limitations of Savings and Financial Security