I am 35 years old. How can I buy social security without a unit? Is it cost-effective to buy social security or commercial insurance?

Social insurance includes endowment insurance, medical insurance, unemployment insurance, industrial injury insurance and maternity insurance, while commercial insurance includes not only the above five types of insurance, but also other types of personal insurance and property insurance. Therefore, it is not comprehensive to buy only social security and not commercial insurance. The following is just a comparison. If you want to see the details, please read this article. How to use social security insurance? 1. Teach you how to apply for reimbursement!

It is best to have both if you have the ability, and give priority to social security if you have insufficient economic ability.

How to pay social security specifically?

① Go to the local social security bureau.

For example, if you are a freelancer and your daily life is where your household registration is located, you can go directly to the local social security bureau to buy employee social security.

(2) find a social security agency to pay.

If you live and work in other places for a long time, not an office worker, and want to pay social security, you can also look at some social security payment institutions online and ask them to help pay social security. But there must be a handling fee.

③ Ask an acquaintance company for help.

This is to go to an acquaintance's company and ask a friend's company to help pay social security. But this method is not applicable, and many people don't use it.

How to buy employee social security by yourself, look at these three methods, which is super troublesome, which is why some people say not to resign easily. I'm not asking you not to pay social security. The loss of paying social security is still quite large. Limited space suggests reading this article directly: How to use social security and medical insurance? 1. Teach you how to apply for reimbursement!

Take commercial medical insurance and social medical insurance, social security is far from being a substitute for commercial medical insurance.

1, differences in security content

Compared with the content of commercial medical insurance, the content of social medical insurance can be said to be dwarfed. For example, the medical expenses of some treatment projects, such as organ or tissue transplantation other than kidney, heart valve, cornea, skin, blood vessel, bone and bone marrow transplantation, are not borne by social medical insurance, but by commercial medical insurance.

As shown in the figure below, the types of drugs that can be reimbursed by social security are also very limited. Like the treatment of cancer now, in fact, many targeted anticancer drugs with little side effects have been developed, but the cost is relatively expensive. For example, Kelida, which treats lung cancer, costs more than 50,000 yuan per month. There are many cancer-targeting drugs like Creda, which are not covered by social insurance. For cancer patients who have not bought commercial medical insurance and their family conditions are not very good, they can only give up this specific drug.

2. The reimbursement amount is different.

Social security is a national welfare insurance, the security intensity is not too high, and the scope of reimbursement is relatively small. If you don't buy medical insurance for local treatment, but treat it in a different place, the reimbursement rate will be lower. It can be seen that if we rely solely on social medical insurance and face more serious diseases, such protection is not enough. As shown in the figure, more than half of the medical expenses and less than 50% of the social security reimbursement.

If you want to know more about the similarities and differences between social insurance and commercial insurance, please read this article.