Recently, I was talking with relatives and friends about social security and pension, and found that many people are not clear about social security and have many questions.
In this regard, I also found some information to reason, and I hope it will be helpful to everyone.
Which is more reliable, commercial insurance or social security? Is it necessary to buy them all?
When it comes to commercial insurance and social insurance, everyone has their own opinion.
Is it necessary to buy commercial insurance if there is social security? After buying commercial insurance, can I not pay social insurance?
Some people feel that the future is unreliable and have no confidence in both, and some people feel that the two are duplicated and there is no need to buy both.
In fact, commercial insurance and social security complement each other and do not conflict. Within the scope of your own economy, you can buy the two together, and life will be easier.
Let's take the medical care and pension security that everyone is most concerned about.
Basic medical insurance.
Reimbursement is limited to the medical insurance catalogue, with a reimbursement ceiling, which can only cover the most basic medical problems.
Million-dollar medical insurance for business.
Medical expenses outside of social insurance can be reimbursed, and the maximum amount of insurance is several million high.
For example, if the hospitalization cost due to a critical illness is 300,000 yuan, the social security reimbursement is 180,000 yuan, and the million medical insurance can reimburse the remaining 120,000 yuan at most.
The combination of the two can greatly reduce the payment pressure in response to inpatient medical treatment and serious illness**.
As the aging of the population becomes more serious, the pressure on the protection of pension insurance will increase in the future, and the amount of pension received each year will also change.
Delay retirement! Pension payment! Years Grow! and so on, increasing young people's worries about future pensions.
This is also the reason why many people do not have confidence in social security pension.
Annuity insurance and increased life insurance in commercial insurance can complement each other with basic pension insurance. Not only can the amount of pension be increased, but the time and amount of pension can be fixed, and will not change with the market.
Commercial insurance and social security can complement each other in all aspects such as accident and illness, pension and so on. Let us be in a state of all-round protection, and have more sufficient strength to resist various risks.
So, are commercial insurance and social security equally reliable?
Social security is a social security system established by the state, and its stability and reliability go without saying.
It's just that social security is facing the security of the people of the whole country, and the popular people are very spoiled. Therefore, social security will be dynamically adjusted with the development and changes of society, for example, the reimbursement amount of medical insurance will change, and the pension will also change.
But in any case, social security, as a basic livelihood security, has high stability and a high degree of reliability.
Although commercial insurance is profitable, it has set up multiple regulatory mechanisms and is very tightly supervised, so its security is also extremely high.
In addition, the protection of commercial insurance is a contract contract, and the guarantee is fulfilled in accordance with the provisions of the contract, as well as the protection of the Insurance Law, which is also very reliable.
Therefore, there is no need to worry about the unreliability of commercial insurance and social security.
Friends with conditions, the two configuration guarantees will be more comprehensive.