Do employees of ordinary companies need to buy other commercial insurance after buying social security?

If economic conditions permit, the combination of the two is the best, because they can complement each other and enrich each other:

1, social security is of course a certain benefit, especially in the aspect of old-age security, commercial insurance is incomparable, for example, there is no insurance company to provide medical expenses protection for diseases after the age of 65 (except for major diseases), social security medical care can! Pension is definitely a strong social security pension, because the future pension standard of social security is based on the future average social wage level, and commercial pension insurance is impossible.

2. Commercial insurance can effectively supplement the deficiency of social security, such as limiting the location of accidental disability insurance to supplement 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; The purpose of choosing critical illness life insurance (because critical illness insurance has the function of life insurance's death protection) or other life insurance is to make up for the deficiency of social endowment insurance: if you die early, social endowment insurance only returns the amount of your personal account (uneconomical), so as to cooperate with the purchase of a commercial whole life insurance, so that if something goes wrong, commercial life insurance can get a lot of compensation, and if you live a long and healthy life, you will get a lot of pension, so that you will be a "winner" anyway.

Here, I also attach the general insurance principles for your reference:

(1) Buy medical health first and then insurance. Health can ensure that customers have everything.

(2) Buying insurance pays less attention to words than contracts. Life insurance is generally a medium-and long-term contract. If you buy it, it will become a lifelong happiness, otherwise it will have a great impact.

(3) Insurance products have dual functions of protection and preservation and appreciation, and should be selected according to their own conditions.

(4) to buy insurance, we must first protect the head of the family. If the main wealth creator in the family is not guaranteed, what is the premium? Living expenses? Family expenses are not guaranteed.

(5) It is meaningless to buy insurance before buying children, saying that adults have no protection and children have more insurance. After all, adults are paying for children.

(6) It is best to take social security as the basis and combine with appropriate commercial insurance as a supplement.

(7) Insurance expenses are generally around 65,438+00-20% of annual income, and it is better not to exceed 20%, that is, 65,438+000% of assets are preserved with 65,438+000% of funds.