I already have commercial insurance. Do I no longer need to buy five insurances?

No, if we already have commercial insurance, we still need to buy five insurances. Because five insurances and one gold are the basis of providing for the aged after retirement, and we all use medical insurance with five insurances and one gold in our life, we will use medical insurance when we go to the hospital to buy medicine or stay in hospital, so we still need to buy five insurances. Five insurance is also a national welfare insurance, which will cost less than commercial insurance and bring us many benefits and benefits.

When we have bought commercial insurance for ourselves, it does not affect us to buy five insurances. If you want to rely on commercial insurance for the elderly, it is not very reliable. After all, social security and old-age insurance will be more secure and have higher safety performance. At present, more and more people will buy commercial insurance, but there are still some irreplaceable places in the five insurances. We need to know and compare deeply.

Medical insurance can cover diseases, even if we are sick, we can also cover them and get reimbursement from relevant insurance companies. But most commercial insurances have strict requirements. If we get sick before insurance, then we may be refused insurance. Therefore, medical insurance is irreplaceable for commercial insurance.

The five risks are well paid. For medical insurance, we can continue to pay the premium in the second year after the illness occurs during the insurance process, which will not affect the subsequent reimbursement. However, commercial insurance is different. Medical insurance products of commercial insurance may be removed from the shelves, and there is no guarantee that they will be renewed in the second year. Many critical illness insurances have a limit on the number of times. When we reach the number of payments stipulated in the contract, the protection we can get will be terminated.