I have social security, do I still need to buy commercial insurance?

With social security, it is best to supplement yourself with a commercial insurance, so that your protection is more comprehensive. Before the formal introduction, you can read this article to better understand the following contents: Super Complete! Everything you want to know about insurance is here.

Social security includes medical insurance, old-age insurance, maternity insurance, industrial injury insurance and unemployment insurance, providing people with the most basic protection. The most common contact is medical insurance, and hospitalization can provide certain reimbursement, which is still very practical for us.

However, the proportion and coverage of medical insurance reimbursement are limited. Take serious illness as an example, a considerable number of treatment projects are not covered by medical insurance reimbursement, and we need to bear them at our own expense. Not only that, the cost of suffering from serious illness is far more than the cost of treatment, and more expenses will be concentrated after discharge, such as nutrition, nursing and rehabilitation. In addition, there are income losses caused by illness.

Therefore, the protection of medical insurance is not comprehensive. Although we can reimburse part of the treatment fee, it will be limited by the reimbursement ratio, and we often need to pay the treatment fee ourselves. If the family is in financial difficulties, it is difficult to come up with a sum of money at one time. If the critical illness insurance is configured to meet certain requirements, the insurance premium paid can be used for treatment to make up for daily expenses, which can greatly reduce the economic burden of families. If you want to know more about critical illness insurance, you can also read this article: which is good for critical illness insurance, how to buy it cost-effectively, and teach you to avoid these pits of insurance.

Generally speaking, even if there is social security, it is better to buy more commercial insurance to transfer the economic losses caused by diseases or accidents and alleviate the economic pressure of families. If you still have questions about social security and commercial insurance, take a look at this article: With social security, you don't need to buy commercial insurance? What's the difference between social security and commercial insurance?

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