Social security card people live how you want to use how to use, people have no social security card null and void .
Yang Ying; protection. Health. Cooperation (1136122816)
Yang Ying; Protection. Health. Cooperative insurance is the electric fan, commercial insurance is the air conditioner
There are many people who think that if they have social security, they don't need any other insurance, in fact, this is a big conceptual misunderstanding.
Social security is an electric fan, commercial insurance is air conditioning; social security is nine years of compulsory education, commercial insurance is high school, college, and even master's degree, doctorate; social security is underwear, commercial insurance is a coat. In addition to covering shame, it can also take ambiguity ...... Premier Zhu once said, "Social security is a good thing, but China's current situation dictates that we can only insure but not underwrite!" So if the cost is reasonable and affordable to us, why not have some protection beyond social security?
The advantages and disadvantages of social security and commercial insurance
(1) Social security premiums increase every year, while commercial insurance premiums are fixed.
(ii) Social security pension has no beneficiary, if there is an accident in the middle, the money paid may be more than the money received, while the commercial insurance in either case, guaranteed to take more than the money paid, even if it does not receive the required number of years, the descendants can inherit a large sum of body security benefits.
(3) Social health insurance can't waive premiums, and when a major illness occurs, social health insurance still needs to continue to pay, while commercial insurance has a waiver function, and the insurance company pays the rest of the premiums on behalf of the company!
(4) Social health insurance is limited, there are a lot of uninsurable responsibilities, such as certain drugs (new drugs, imported drugs, expensive drugs, etc.) and some diagnostic and treatment programs are not within the scope of reimbursement, such as traffic accidents, food poisoning caused by injuries, medical malpractice or other liability caused by the injuries, vital organ transplants and so on are not within the scope of the coverage, and commercial insurance can be reimbursed by 100 percent of the amount of the coverage, and there are also allowance-type insurance to make up for the illness, the insurance company to pay the rest of the premium. And there are also allowance-type insurance to make up for the loss of income and part of the medical expenses caused by sick leave!
(5) Social health insurance is after-the-fact reimbursement (i.e., reimbursement can only be made after discharge from the hospital), with a threshold fee (i.e., deductible, no reimbursement for the portion below the deductible), and a ceiling (reimbursement for the portion in excess of a certain percentage), whereas commercial insurance will cover the diagnosis of a major disease agreed upon in the contract with a diagnostic certificate from the hospital, and the amount of the policy is paid out regardless of how many times the expenses are paid, so that the insured person can choose a better medical device/condition/condition/condition. This provides a valuable financial basis for the insured to choose better medical equipment/drugs/services to win a better medical outcome, or even for the chances of survival!
(F) social pension insurance can only meet the needs of the minimum standard of living, and the future of each year
Extended reading: insurance how to buy, which one is good, hand in hand to teach you to avoid the insurance of these "pits"