Which is better, social security or commercial insurance?

Social security and commercial insurance are very good, each has its own advantages, and we can't generalize.

Generally speaking, social security is what we often call "five insurances"-endowment insurance, unemployment insurance, maternity insurance, industrial injury insurance and medical insurance. Commercial insurance refers to profitable insurance, which is underwritten by insurance companies. Little friends who don't have time to read can read this article first: With social security, you don't have to buy commercial insurance? What's the difference between social security and commercial insurance?

Social insurance and commercial insurance have their own advantages and disadvantages. The content of social security covers all aspects of our lives. But as the most basic guarantee, it can't resist much in the face of storms. In the case of serious illness, the content of insurance is very limited, and medical insurance has drug restrictions. Many specific drugs and targeted drugs have to be paid at their own expense, and the reimbursement amount is limited. Usually, medical insurance for critical illness can only be reimbursed for 50%-70%, and the rest can only be paid by yourself.

Commercial insurance can make up for the shortage of "wide coverage and small amount" of social security, and the coverage can basically cover 90% of serious diseases. Patients have to consider not only the cost of treatment, but also the subsequent cost of recuperation and income interruption, which can destroy a family in an instant. If you can buy a critical illness insurance, it will play a very good role. Once the claim is settled, you can get a sum of money to treat the disease or compensate the daily expenses, maintain the normal life of the family, and let the patients feel at ease and recover well. Friends who want to know more about critical illness insurance can click on this article: which one is good for critical illness insurance, how to buy it cost-effectively, and teach you to avoid these pits of insurance.

It can be seen that only by combining medical insurance with commercial insurance can we minimize risks and give us the most substantial guarantee. Are there any questions about commercial insurance? Remember to read this article: Super Complete! Everything you want to know about insurance is here.

Hope to adopt!

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