Which should I buy, social security or commercial insurance?

Social security and commercial insurance have their own advantages. Senior sister's suggestion is that both social security and commercial insurance should be arranged, so that the protection is more comprehensive.

If you don't know the difference between social security and commercial insurance, you can read this article: With social security, you don't have to buy commercial insurance? What's the difference between social security and commercial insurance?

Social security is the embodiment of the state or enterprise's medical care, pension and other benefits to individuals. This is mandatory, and it is also the principle of social justice and fairness to all. But similarly, social security, as a social welfare of the whole people, can only guarantee its basic protection, but cannot give us stronger protection. In some cases of accidents, serious illness and death, social security is very weak.

Social security pension insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance, among which medical insurance is closely related to our medical care. Medical insurance is the welfare guarantee of the country, but there are some restrictions on medical insurance reimbursement, such as deductible line, reimbursement ratio, three categories and capping line, so only a part of medical expenses can be reimbursed. Suffering from serious diseases brings not only high medical expenses, but also lost time, rehabilitation expenses, family expenses during the period and so on.

Medical insurance in commercial insurance can reimburse the part that cannot be reimbursed for the second time, and the fixed premium paid by critical illness insurance in commercial insurance can also make up for the income loss during illness, pay the daily expenses of families and make up the economic gap of families in time.

If you are a small partner who wants to configure critical illness insurance, you can take a look at this excellent collection of critical illness insurance: the top ten hot critical illness insurance stocks worth buying!

Generally speaking, there is no better term for social security and commercial insurance. In order to get comprehensive protection, we must first allocate social security and reasonably allocate commercial insurance according to our own protection needs.

Senior sister also compiled an insurance strategy for everyone. Interested friends can look at: what kind of insurance is good, how to buy it cost-effectively, and teach you to avoid these pits of insurance.

Hope to adopt

The same number on the whole network: Xueba said insurance, welcome to search.