How can I buy commercial insurance without social security?

Hello, my friend, many commercial insurances can only be purchased on the basis of social security, but can you buy commercial insurance without social security? That's true. However, dad still strongly recommends that everyone buy social security before buying commercial insurance.

I. Definition of Social Security Social security actually includes five insurances and one gold:

Literally, we can see that they have their own protective functions. Want to know their detailed usage, you can read the article recommended by dad: "There are so many secrets hidden in the social security card, don't say I didn't tell you! 》

The most important thing in social security and the closest relationship with our daily life is medical insurance. Medical insurance is divided into medical insurance for urban workers, medical insurance for urban residents and new rural cooperative medical care. Among them, the medical insurance for urban workers is paid by the company, and the other two are paid by themselves.

Medical insurance has the following four advantages:

1, universal welfare, super cost-effective.

2, can also be cast in spite of illness

3, the update stability is good

4, the state can buy for a long time.

Here, dad wants to emphasize that social security can still be paid, but it is not. You'd better buy yourself a medical insurance.

Individuals can also pay their own medical insurance if there is no unit or unit that does not help them pay their own medical insurance. You can also call the national unified social security service telephone number: 12333 to find out the nearest local medical insurance self-payment point, and then pay the fee.

2. Commercial insurance can be purchased without social security, and some accident insurance, critical illness insurance and term life insurance are not affected.

However, medical insurance is special, because medical insurance belongs to the basic guarantee of the state, so most commercial medical insurance is stipulated that the state medical insurance should reimburse first and then make claims.

The difference between medical insurance is mainly reflected in the reimbursement ratio and rate:

Reimbursement ratio: Because most commercial medical insurance has the provision that medical insurance is reimbursed first and then settled, the reimbursement ratio of people without social security will be lower than that of those with social security.

Rate: Most commercial insurance rates will distinguish whether there is social security or not. If there is no social security, the purchase rate will be higher than that with social security.

Dad sorted out the more popular medical insurance in the market for your reference. You can carefully compare the reimbursement ratio and rate.

Dad concluded: Now the functions of social security have become more and more abundant: making ID cards, making bank cards ... If there is no social security, it is really OUT! If you can't get social security, at least give yourself medical insurance.

I hope everyone can pay attention to whether they have social security. After all, living in this society, learning to make rational use of rules can make your life better.

Source: Bababao