We both husband and wife have social security, still need to buy insurance?

When both husband and wife have social security, there is still a need to buy insurance Oh!

Social insurance is the legal insurance, often can only provide us with a relatively basic protection, social security protection is far from enough, we also need to according to their own actual situation, configure a good enough commercial insurance.

On the friends who want to know more about social insurance and commercial insurance, you may want to take a look at this article:

With social security to buy commercial insurance? Can commercial insurance replace social security?

The next step is to analyze what kind of insurance is suitable for married couples.

1. Critical Illness Insurance

Nowadays, many diseases are showing a trend of youthfulness, so married couples need to pay attention to the risk of disease first. If a married couple is unfortunate enough to suffer from a major illness, the treatment and rehabilitation costs are often too much for the average family to bear, so married couples need to be equipped with critical illness insurance coverage first.

Configured with critical illness insurance, if eligible, the Division of insurance benefits can help couples to reduce the financial burden of this situation. It can be seen that the configuration of critical illness insurance is very important.

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2. Million Dollar Medical Insurance

Since critical illness insurance covers the diseases agreed in the terms and conditions, other diseases outside the agreement are not covered. Therefore, couples also need to configure a million medical insurance supplement. Although couples have social health insurance reimbursement of treatment costs, but the scope of reimbursement of health insurance is not enough, and million medical insurance is often not limited to reimbursement of disease, the amount of coverage is often as high as a few million. Millionaire's health insurance can reimburse a percentage of the cost of hospital visits, if eligible. Critical illness insurance and million medical insurance at the same time configuration, the couple's protection can be more comprehensive.

3. Accident insurance

Accident risk is something that people of all ages need to be aware of, and married couples are no exception. Accident insurance can help the insured transfer the financial risk caused by suffering an accidental injury. Since we often can't anticipate accidents, the sooner you configure accident insurance, the better!

4. Term life insurance

Generally speaking, married couples often need to bear a relatively large family financial responsibility, some couples need to take care of the elderly at home, but also need to raise the children, to bear the main financial responsibility of the family.

Imagine if a married couple dies under these circumstances, the family's financial resources may be cut off, and the family may easily fall into a crisis as they need financial support to support their parents, raise their children, and take out a car loan.

With term life insurance, the premiums paid out by the insurance company can help a family get through the financial difficulties if they qualify. So term life insurance is in fact for the family.

This shows that even if both husband and wife have social security, but there is still a need to configure commercial insurance Oh!

Lastly, the school sister also prepared the insurance strategy, want to insure friends may wish to look at Oh:

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