Hello friend, first of all, social security and commercial insurance is not a conflict, on the contrary, the two are complementary, indispensable, so as to truly protect everyone's risk transfer.
I, social security is not enoughSocial security coverage, but compared to commercial insurance, social security can bear the risk is simply insignificant. Social security includes: pension insurance, medical insurance, unemployment insurance, maternity insurance, and workers' compensation insurance.
Medicare is the most practical of these, reimbursing outpatient and hospitalized medical expenses, so let's take Medicare as an example. As a welfare system, medical insurance has many advantages, such as: you can be insured with illness, guaranteed renewal, and long-term validity.
But health insurance reimbursement has a starting line, reimbursement rate, health insurance three directories, the ceiling line and other restrictions, and can not solve all the medical costs, we can often see the following chart:
Second, the classification of commercial insurance1, critical illness insurance
A sufficient amount of critical illness insurance, not only in the case of major diseases, to provide us with a sum of money to pay for the huge amount of medical expenses; can also be provide us with a portion of our lost income during treatment and recovery.
2. Medical insurance
The main role of medical insurance is to solve the cost of medical expenses, which is an important supplement to social security. Moreover, medical insurance and critical illness insurance are actually complementary.
3, accident insurance
"I don't know which comes first, the accident or tomorrow", risk is everywhere, and who can guarantee that they will never have an accident? When an accident happens, an accident insurance policy is very important.
4, life insurance
Life insurance is a kind of life and death of people as the object of insurance, is the responsibility of each person to his own and his family. In case of extreme risks such as death or total disability of the breadwinner of the family, life insurance can prevent the family from instantly falling into a desperate situation.
Three, the role of commercial insurance1, risk avoidance
When it comes to insurance, the first word that comes to mind should be "risk avoidance". It is true that insurance can help us to avoid risks, especially in this risky society, risk avoidance is particularly important, can minimize the economic losses when the risk comes.
2, can be financial
Insurance in addition to avoiding risk for us, but also to help us manage money. For example, mandatory savings, preparation for education, pensions and so on.
3, life is good
But if we do a good job of thorough insurance planning ahead of time when we are young, not only can we bring a protection for the future work and life in the future, do not worry about the risk and the arrival of disease.
Milkman summary:So finally Milkman offers you to buy insurance notes, paving the way for everyone to insure: "How to buy insurance? Buy which insurance product is good? These sets must be avoided"
Source: milk daddy insurance