What insurance should everyone buy after leaving society?

Insurance is divided into social insurance and commercial insurance. Social insurance is statutory insurance, which is implemented and managed by the state administrative department by administrative means according to the law. All working or self-employed adults must take out insurance. Can provide economic security for the insured within the scope of basic medical insurance, basic endowment insurance, work injury insurance, unemployment insurance and maternity insurance. Social insurance is compulsory. Employers (or institutions) should sign labor contracts when hiring employees, and employers (or institutions) should handle social insurance for employees, which is the responsibility and obligation of employers. Social security emphasizes social equity (only one for each insured person), and its basic principles are: low level and wide coverage. Commercial insurance: it is an insurance that gathers the strength of the society (the insured) and provides due economic security for a few insured people when they encounter certain personal risks (such as major diseases, accidental injuries, medical and health care, old-age care, children's education, etc.). Buying commercial insurance is a kind of commercial behavior, which should be bought according to personal needs and personal economic ability to pay. Since it is commercial insurance, it has a strong commercial color and is a supplement to social insurance. Commercial insurance emphasizes personal fairness (buy more and buy less according to your own needs and economic ability), and its positioning should be: a supplement to social insurance. The principle of purchase is: voluntary principle. The two kinds of insurance have the same characteristics: providing a certain degree of economic security for the insured. Social security is a must. As for commercial insurance, do you want to buy it? What to buy? How much to buy? It's up to you. Buying insurance means buying protection, and protection is what everyone needs. Therefore, before buying insurance, we must make it clear: what is insurance? Why buy insurance? What kind of protection do I need most? How much protection do I need? How much protection can I buy with my present ability? If you really want to buy some insurance for yourself and your family, I suggest you: 1, learn and understand some insurance knowledge first; 2. Understand the role and significance of insurance; 3. Identify your insurance needs; 4. Insure according to your actual needs and economic ability. Really do it: clearly understand consumption and enjoy it in a down-to-earth manner. Otherwise, due to my ignorance for a while, I may get endless troubles in the future. For adults, first buy social security and then insurance, and then you can choose to buy some commercial insurance as a supplement. Because social security is the foundation and commercial insurance is the supplement. For underage children, we can help them choose some health insurance, accidental injury medical insurance and education insurance. As for what kind of insurance to buy, you can make some choices when you study. Before buying commercial insurance, many people just have the desire and impulse to buy it, but they don't seriously understand the relevant insurance knowledge, so they buy it after listening to the salesman's story. After I got the insurance policy, I stopped reading the terms carefully. After chatting with others, I gradually feel that I don't know what the insurance I bought is, or I find that the insurance I bought is not the product I want. It will be too late to regret it. In view of this, I suggest you learn and understand before you decide to buy. As the saying goes: sharpening a knife does not miss the woodcutter. I wonder if you agree with this view? Special note: it is an extreme mistake to get rich or make money by buying insurance. Even for investment and dividend insurance, its so-called return is very limited.

Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.