Life insurance companies can supplement medical care.
One-year accidental injury and accidental medical treatment can be used by life insurance and property insurance companies.
Medical liability insurance can only go to property insurance companies.
Basically, in addition to pensions, you can ask the company more. In many areas, second-and third-tier companies are cheaper, and the actual claims are the same. It makes no difference to compensate according to the contract. Sometimes the service of some second-and third-tier companies is better than that of the fifth. The situation varies from region to region.
If you are too lazy to run, go to the insurance broker for consultation. They will send inquiry letters to various company laws.