Is social endowment insurance worth buying? -Baidu knows.

Social security is a national policy insurance, which is enforced by the state. It has certain benefits, including state subsidies. Especially in the aspect of security after old age, commercial insurance is incomparable. For example, there is no insurance company to provide medical expenses for diseases (except major diseases) after the age of 65, and social security medical care can!

Commercial insurance is voluntary and for-profit, which is a useful supplement to the national social security and can effectively supplement the shortage of social security.

For example, accidental disability insurance supplements the location restrictions of social security work-related injuries; Accidental injury medical insurance supplements social medical insurance, regardless of general outpatient and emergency; The limit of critical illness insurance to supplement the amount of critical illness in social medical insurance; Choose critical illness life insurance (because critical illness insurance itself has the function of death protection of life insurance) or other life insurance, which is to make up for the defects of social endowment insurance:

If you unfortunately die young (before the age of collection), social endowment insurance only returns the amount of your personal account (not cost-effective. In this way, if you buy a commercial whole life insurance, you can get a lot of compensation from commercial life insurance if something goes wrong. If you live a long and healthy life, you can get a lot of pensions, so you are a winner anyway.

National social security and commercial insurance have their own advantages and disadvantages and cannot completely replace each other. If economic conditions permit, the combination of the two is the best, because they can complement each other and enrich each other. Social security is the most basic guarantee, and the degree of protection is low, which can not completely solve the future pension and medical problems.