With five insurances and one housing fund, what kind of commercial insurance do you need to buy?

Five insurances and one housing fund is the most basic protection provided by the state, there are still many guarantees that are not perfect and sufficient, it is recommended that you can supplement your own protection from the following aspects.

1. Accident insurance Accident insurance recommends that you give priority to supplementing, because accidents are everywhere, an accident insurance can be a good way to avoid the risks caused by accidents, and accident insurance generally has a low premium, but it has a wide range of protection, high cost performance, and is very worth buying. It is recommended that you consider comprehensive accident insurance for more comprehensive coverage.

2. Critical illness insurance Critical illness insurance is also indispensable, with environmental pollution and the pressure of life, critical illness is getting younger and younger, and the huge expenses and expenses during the period brought by critical illness make ordinary families unable to afford it, a critical illness insurance can solve these problems, and can also make up for the loss of income during illness, which is a very powerful help for transferring family risks.

Third, although the pension includes the pension in the five insurances and one housing fund, but it is far from enough for the actual life, if you want to live your ideal life after retirement, you must plan your pension in advance, so that the quality of your life in later life is not affected. Five insurances and one housing fund are our foundation, but for family risk management is not enough, we can add commercial insurance to the basic protection, so that our protection is more comprehensive and powerful.

I believe that as long as friends who have seen a doctor or have been hospitalized can understand that we are now hospitalized, there is a starting line for reimbursement, the better the hospital, the higher the starting line, and there is an upper limit for social security medical reimbursement, which is what we usually call the ceiling line, and the part that exceeds the ceiling line needs to be borne by yourself.

90% of the medical expenses in the social security regulations can be reimbursed, 10% of the self-payment, and the medical expenses and equipment use fees that exceed the social security will not be reimbursed by the social security, and we need to pay for it ourselves.

Even if social security can cover medical expenses, what about ** expenses and income loss expenses? If you have an annual income of 100,000 yuan, in case you have to get sick or have an accident, you need to recuperate at home for 5 years, have you calculated how much your income loss in these 5 years is? And who will help you pay for the nutrition expenses, living expenses, ** expenses, education expenses, and parental alimony for the past 5 years?

Social security can indeed reimburse us for part of the medical expenses, but social security will not reimburse us for living expenses, children's education expenses, and alimony for the elderly.

Social security is our basic security, under the condition of economic conditions, after having social security, and then buy their own life insurance, plus accident insurance, hospitalization medical care, critical illness medical insurance, is a very perfect protection. It is not an easy task to buy the right insurance, if the above content can not solve your doubts, buy insurance for fear of being pitted, afraid of buying expensive, it is recommended that you take a look at this first: avoid pits!

90% of the problems that people will encounter when buying insurance are related to them.

Social security is our basic security, under the condition of economic conditions, after having social security, and then buy their own life insurance, plus accident insurance, hospitalization medical care, critical illness medical insurance, is a very perfect protection. Buying the right insurance is not an easy task, if the above does not solve your doubtsIf you are afraid of being cheated and expensive when you buy insurance, it is recommended that you take a look at this first: avoid pits!

90% of the problems that people will encounter when buying insurance are related to them.

Five insurances and one housing fund are what we call social security! The unit pays a part for us, and we pay another part! Social security is the foundation, only report but not cover!

Commercial insurance is something we need to buy ourselves!

Not only is the guarantee high, but the income is also relatively stable! The most popular insurance company in China is Life and Ping An!

Life is state-owned, and Ping An is non-state-owned!

The nature of the two is different, five insurances and one housing fund are called social insurance, which is a non-profit behavior enforced by national legislation. Commercial insurance is a commercial activity, and the policyholder and the insurance company are in a voluntary contractual relationship with a profit-making nature; The two types of funds** are different, and social insurance is borne by the state, the employer and the individual. Commercial insurance is entirely the responsibility of the individual; The purpose of social insurance is to ensure people's basic life, while the fundamental purpose of commercial insurance is to make profits.

Commercial insurance covers accidents that may occur in the insurance contract signed by the insurer and the policyholder. In actual economic life, a commercial insurance company is the main operator of commercial insurance, and the object of its insurance can be a person or a thing, and the insurance relationship is mainly reflected through the insurance contract signed between the insurer and the policyholder.

Social insurance is a social security that the state has adopted legislation to raise funds through multiple channels to give economic compensation to workers in old age, unemployment, illness, work-related injury, and childbirth when their labor income is reduced, so that they can enjoy basic living security.

Commercial insurance is an effective supplement to social security, which can make up for the lack of social security, and the diversification of commercial insurance products can also meet the consumption needs of different groups of people.

Having five insurances and one housing fund means getting basic protection, but this is far from enough, social security can only solve the low level of protection, and commercial insurance as a supplement to social security, plays a very big role. Business insurance solves the problem that we need a lot of money when we encounter risks.

For example, for serious illness, we need three expenses, **fee, **fee, income loss fee, ** fee can be solved with social security, self-financed drugs, imported drugs also need to be supplemented by commercial insurance, in addition, ** fees and income loss fees also need to be solved by commercial insurance;

Another example is the pension problem, the pension insurance in the social security may only be enough to protect the basic survival of our old age, and the quality of life problem cannot be solved, while commercial insurance as a supplement provides more diversified and multi-level pension security.

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With five insurances and one housing fund, it is still necessary to configure commercial insurance, because the coverage of five insurances and one housing fund is limited, take the medical insurance as an example, the medical insurance has restrictions on the reimbursement of medical expenses, there are restrictions such as the starting line, the ceiling line and the three catalogs of medical insurance, etc., and the expenses beyond the scope of proportion and medication (or project) need to be paid by yourself.

Since it is necessary, what commercial insurance should be configured, the senior sister suggests that you can configure critical illness insurance, million medical insurance, accident insurance and life insurance.

1. Critical illness insurance.

Critical illness insurance mainly provides protection for diseases, that is to say, when the insured suffers from the disease agreed in the contract and meets the conditions for claims, the insurance company will pay a claim in accordance with the contract, and the compensation of critical illness insurance is not limited to the purpose, in addition to paying the high cost, it can also be used to buy nutritional products, for the family's living expenses, and can also make up for the loss of unemployment during the first period.

If you want to know what high-quality critical illness insurance is on the market, you can take a look at this list: Top 10 Popular Critical Illness Insurance Points Worth Buying!

2. Million medical insurance.

3. The senior sister also mentioned that medical insurance has limitations, and millions of medical insurance can just supplement the lack of medical insurance, as long as you pay a premium of a few hundred yuan a year, you can get millions of yuan in medical reimbursement, which is very economical and affordable.

4. Accident insurance.

Accident insurance is a life insurance that is conditional on the payment of insurance benefits due to the death or disability of the insured due to accidental injury. No one can ** when an accident happens, it is unknown, so accident insurance is essential.

5. Life insurance. If it is the breadwinner of the family, once a misfortune occurs, the family's income** will be interrupted, and the family's financial situation will fall into a quagmire. Life insurance can leave a sum of money to the family after the insured suffers misfortune, so that the family will not fall into an economic crisis all of a sudden, so as to "keep love without debt".

First, it is very necessary to pay for five insurances and one housing fund, and the direction of use is very wide.

2. If the economic conditions are limited, it is recommended to purchase commercial insurance suitable for you.

3. Buying commercial insurance is also a new way of financial management.

In recent years, many insurance companies have noticed that people are unwilling to waste their salary income on commercial insurance, so many insurance companies have realized this situation and combined insurance and financial management, so that people can enjoy insurance protection services while maintaining capital and income. Therefore, if the financial conditions are limited, reasonable financial planning and insurance are also good choices.

It is still very necessary to buy commercial insurance, because five insurances and one housing fund can play a basic role in protection, and these commercial insurance can play a good double protection, which is very good for office workers.

Hello, you said that the treatment of five insurances and one housing fund is already very good, commercial insurance, this is not so necessary, of course, you can choose according to your economic situation, this is voluntary, I wish you a happy life.

It is definitely necessary to buy commercial insurance, because after buying commercial insurance, it is also an additional protection for us.

It is still necessary to buy commercial insurance, which is more comprehensive and can also be purchased according to your own situation.

I think it's still necessary, and there are a lot of commercial insurance that are very good nowadays, and there are many benefits to buying a good one.

No. Commercial insurance is an individual insurance activity, while five insurances and one housing fund are benefits given by the employer to employees, both of which are different in nature and protection content.

Commercial insurance refers to a form of insurance that is operated by entering into an insurance contract for the purpose of profit, and is operated by specialized insurance companies. The insurance company shall be liable for compensation for the property damage caused by the occurrence of an accident as agreed in the contract, or shall be liable to pay the insurance money when the insured dies, is disabled, is sick, or reaches the agreed age and period. Commercial insurance mainly includes life insurance and property insurance.

Among them, life insurance includes life insurance, health insurance, and accident insurance.

What we usually call five insurances and one housing fund is a collective name for several types of guaranteed benefits given by employers to employees. The "five insurances" in the five insurances and one housing fund refer to endowment insurance, maternity insurance, work-related injury insurance, unemployment insurance and medical insurance; And "one gold" refers to the housing provident fund. Among them, endowment insurance, medical insurance and unemployment insurance are jointly paid by enterprises and employees, and work-related injury insurance and maternity insurance are paid by enterprises and individuals do not need to pay.

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After paying five insurances and one housing fund in the unit, there is no need to pay other insurance. If the financial conditions permit, commercial insurance can be purchased on the basis of social security. The relationship between the two is: social security is the foundation, and commercial insurance is a useful supplement.

Legal basis: Article 2 of the Social Insurance Law of the People's Republic of China The State shall establish social insurance systems such as basic endowment insurance, basic medical insurance, work-related injury insurance, unemployment insurance, and maternity insurance, and protect citizens' right to receive material assistance from the state and society in the event of old age, illness, work-related injury, unemployment, childbirth, etc.