Hello, Xin 333, questioner: Commercial insurance is also divided into many types: pension, illness (hospitalization subsidies and hospitalization expenses, as well as major diseases), financial management and accidents.
Because I have been engaged in insurance 14 years, I personally think that social security is good and the payment is not high (but if there is no unit to pay for you, if both individuals and units need to pay, the cost is not small). When you get the age, you can always get it as long as the person is alive. But if the person who has just received three or five years is gone, you will receive 13 months as a pension. Maybe you haven't even received the principal at this time. So social security has a common name.
Therefore, I personally think it is better to buy commercial insurance first, and then consider social security when I have spare money.
Because commercial insurance can solve your two problems with one insurance: for example, there is a universal insurance, which many insurance companies have. It is a kind of financial insurance, which can attach major diseases without extra payment. It only needs to deduct the annual protection fee, which will be credited to your protection account. Besides, it's cheaper to deduct this charge than the critical illness insurance you bought. Another function of this insurance is to increase the value of financial management, but it belongs to medium and long-term planning (because it is impossible to make a fortune through insurance)
If you only buy insurance and sickness, you should choose reputable companies and business people, especially business people, because post-service is very important. But if you buy wealth management insurance, you need to consider the profit of the insurance company. I have been in Ping 'an for fourteen years. In my eyes, I think Ping 'an is good in both service and profit, because Ping 'an has won the most respected enterprise for seven consecutive years. I have been in the world's top 500 for three years in a row, but this is my personal opinion. You can learn more through various channels. Many insurance companies have this kind of universal insurance. You can learn more, but you must remember that it is also important to choose a salesman.