Is it better to buy social security or insurance company?

In fact, we can't say whether it is better to buy social security or commercial insurance from an insurance company. Both are necessary. In this article, I combed the detailed differences between social security and commercial insurance. Interested friends can have a look: with social security, you don't have to buy commercial insurance? What's the difference between social security and commercial insurance?

Social security usually refers to "five insurances", namely, medical insurance, old-age insurance, unemployment insurance, maternity insurance and industrial injury insurance. Among them, medical insurance is what we often call "medical insurance", which can be used to reimburse some medical expenses, but this is only the basic guarantee given by the state, and there are various restrictions on reimbursement amount, scope and proportion. In the face of serious illness, the medical expenses that medical insurance can reimburse are far from enough.

Therefore, in addition to purchasing social security, we should also provide commercial insurance of insurance companies, such as critical illness insurance, millions of medical insurance, accident insurance, life insurance and so on. However, it should be noted that life insurance is usually to protect death or total disability, which is more suitable for family breadwinners and is not recommended for the elderly and children.

If you want to know the detailed configuration ideas of different age groups, you can go to this article: How to buy insurance at different age groups? Everyone should have his own plan.

If commercial insurance is provided, when the insured suffers from diseases, accidents and other risks and meets the corresponding conditions, the insurance company will pay a sum of money or reimburse the corresponding medical expenses, which can greatly reduce the economic pressure on the family.

If you want to know the specific benefits of buying commercial insurance, then this article must not be missed: What are the benefits of buying insurance? Many people think too much. ...

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