Is Guangzhou social security worth buying?

Consultation content: I have a local account and am temporarily unemployed at home. Do I need to buy my own social security? Including endowment insurance and medical insurance, it needs about 600 yuan every month. Among them, pension needs more than 400, and medical insurance needs more than 100. This kind of self-purchased social security will not take effect until 6 months after purchasing medical insurance (if it is purchased with the company, it will take effect the next month). There is no money in the medical insurance card and it can only be used when in hospital. Ask an expert, do I need to buy it? Consultation User: Xiaomi Zi (Guangzhou) Expert Answer: Some people in Guangzhou Jinsheng Life Insurance Xie Huaqing considered whether to have social security, so they directly used social security instead. If your job is not very stable and there is no unit to help you invest, I personally think it is better to use commercial insurance instead, and you can also get high-quality VIP services, commercial endowment insurance, illness, comprehensive medical care and so on. , are all very user-friendly designs. Guangzhou AIA Pei Lilei First of all, social security is a national welfare and policy. Social security is a general term. Specifically, social security is "five insurances and one fund", that is, "work injury, medical care, pension, unemployment and maternity" and "one fund", that is, housing accumulation fund. The payment of social security consists of three parts: individuals, units and enterprises. As mentioned earlier, social security is a national policy. There is a certain degree. If you only pay part of your own, it is appropriate to consider social security, that is, your social security is bought from the company, so you must buy it. If you bought it yourself, you should consider it. As you said, 600X 12X 15 is not a small sum. At this point, I think the most important question you ask is, when you consider the importance of insurance, what problems do you want to solve through insurance? You should think about it. Wuhan Xinhua Life Insurance Zhang Yingfeng National Social Medical Insurance has no special provisions on the conditions of participation, and both healthy people and sick people can participate in medical insurance (see relevant documents of medical insurance system for specific provisions); The conditions of medical insurance in commercial insurance are subject to the provisions of insurance companies, and only those who have the conditions can be accepted by insurance companies. After hospitalization (for insurance companies, after the accident), social medical insurance continues to bear the medical insurance expenses of the insured, with a ceiling line. Commercial insurance companies may raise their premiums, sign exemption clauses (they will not be compensated for this disease), or refuse insurance. Moreover, medical insurance in commercial insurance will generally only be managed until the age of 65, and some companies will postpone it until the age of 70, while social medical insurance is managed for life, which is irreplaceable by commercial medical insurance. Social medical insurance can't compensate all the hospitalization expenses of the insured, so commercial medical insurance can be a useful supplement to social medical insurance. We often say that social security is the foundation, and we will buy it if the economy allows. As for what you said, the treatment paid by the unit is different from that paid by the individual. It is also because the medical insurance purchased is different. Units buy medical insurance for urban workers and individuals pay hospitalization insurance. The unit pays more, and the individual pays less hospitalization insurance. In fact, when I was young, I bought social security to support the elderly. For example, you must pay enough for the old-age pension until you reach retirement age. The earlier you pay, the more years you pay, and the more money you get when you are old. Moreover, medical insurance also requires payment. If you retire after 10 years, you don't have to pay fees, and you can also have outpatient fees and hospitalization fees every month.