On the pros and cons of social security and commercial insurance, it is best to favor social security some

Your friend only mentioned is the pension insurance insurance, in fact, social security is the minimum protection, commercial insurance is the supplement of social security, no social security only buy commercial insurance, is not recommended.

1, pension insurance: at least a cumulative total of 15 years of social security, but more pay more, after retirement (male 60, female 55) can enjoy the pension benefits. For the time being, anyone who has accumulated fifteen years to buy social security, you can enjoy the local retirement pension treatment at the time of retirement.

2, medical insurance: buy medical insurance, you can enjoy outpatient reimbursement, hospitalization discount. The purchase of medical insurance, although the enterprise and individuals need to pay the cost, but individuals pay the medical insurance premiums for the month, all transferred to their own medical insurance card or passbook, equivalent to the individual does not have to pay the fee. You can use the money in this account to buy medicines or pay bills. Moreover, if you pay medical insurance, you don't have to be afraid of the high cost of treating your illness, because the state guarantees that the maximum reimbursement will be 4 - 6 times the city's average annual salary for the previous year. The portion of major illnesses exceeding the maximum payment amount can be paid by the medical benefit for major illnesses at a rate of 90% - 95%, and up to a maximum of another 150,000 yuan (the cost of major illnesses is purchased by the enterprise). After retirement, men who have paid for 30 years and women who have paid for 25 years do not have to pay again and can also enjoy medical insurance benefits.

3, work-related injury insurance: purchased work-related injury insurance, work-related injuries, temporary or permanent loss of working capacity, there is wage income compensation, but also for work-related injuries to workers' medical care and life care measures. (Workers' compensation insurance is purchased by the enterprise, the individual does not have to bear the cost)

4, unemployment insurance: only need to buy a full twelve months after the period of unemployment, you can receive unemployment insurance benefits (purchased a full four years, are full of a year to enjoy one month of unemployment, four years later, full of a year to enjoy two months of unemployment; a lifetime of a maximum of 24 months of unemployment treatment).

Unemployment insurance benefits conditions: (a) involuntary unemployment within the legal working age; (b) myself and the unit in accordance with the provisions of the unemployment insurance and continuous contributions for more than one year; (c) registration of unemployment; (d) job-seeking requirements and acceptance of vocational introduction and employment guidance.

5. Maternity insurance: as long as the cumulative purchase of one year, and during the period of maternity has been in the state of insurance, female workers during maternity leave can enjoy three to six months of leave, as well as enjoying the salary treatment and prenatal examination fees, delivery fees, fees, hospitalization fees and reimbursement of medication, and so on. (Maternity insurance is also purchased by the enterprise, the individual does not have to bear the cost).