1. Unexpected risks are everywhere. Even a civil servant can't ignore the possible accidental risks, so accident insurance should be given priority. When applying for insurance, you can choose additional accidental medical care, but you should try to choose accidental medical insurance with low deductible, large reimbursement ratio and high reimbursement limit.
2. Although civil servants have medical social security, social security has the characteristics of "no package insurance", and medical expenses for some major diseases cannot be reimbursed. Therefore, civil servants need to strengthen health protection, especially commercial medical care and major diseases. According to the current cost of treating major diseases, it is more appropriate to choose critical illness insurance with an insurance coverage of more than 200,000 yuan.
3. Civil servants are well paid during their service. If they want to be responsible for their families, it is necessary to buy a life insurance. If you just entered the business, you can buy a term life insurance. When the job is stable and the income increases, it can be adjusted to whole life insurance.
Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.