The pension insurance and urban residents’ medical insurance you mentioned are both in the nature of social security. Social security is a national welfare policy with wide coverage and low security. Social security is the basis of security and should be used as long as economic conditions permit. Commercial insurance serves as a useful supplement.
General principles for purchasing commercial insurance:
1. Put adults first, then children
2. Protect first, then manage finances
3 . The order of insurance is generally: accident, life insurance, critical illness, medical care, education or pension
4. The annual premium expenditure is 10-20% of the annual income
5. It does not have to be purchased at one time If it is in place, accident insurance can be purchased by the whole family. Others will be purchased first for the family supporter depending on the financial conditions, and then gradually improved.
I hope it will be helpful to you!
Insurance is like clothing, it must be tailor-made. There are many types of insurance, and there is no right or wrong about the types of insurance. The key is suitability. When buying insurance, you must establish the correct direction of insurance purchase. It is not recommended to compare insurance types at the beginning. It is easy to fall into misunderstandings and lose direction.
In order to obtain a scientific and reasonable insurance plan, it is recommended that you refer to the above insurance rules and go through the third-party Life Sky Insurance Intermediary Station (which does not belong to any insurance company and does not sell any insurance products, but serves insurance buyers and sellers. The "insurance bidding" function of the communication and interactive platform built by the Internet, according to the set scientific process, anonymously publish your insurance needs, you can get customized insurance plans for you from different agents of major local insurance companies, and you can objectively compare and choose. You will not be bothered unnecessarily, and you will choose your favorite agent proactively.