Commercial insurance pension insurance charges

The two related supplements, to some extent, social security is more basic and welfare, but the amount is limited, so we tend to supplement through commercial insurance, such as pension, critical illness protection. In the absence of social security, there are certain commercial insurance can be a temporary substitute for social security protection, but there are some can not be replaced, such as hospitalization medical insurance, commercial hospitalization medical insurance, most of the coverage up to the age of 65 years, and then no, we know that most of the medical care in the old age, and social security not only to solve the problem of medical care when you are young, if you reach the required number of years, the future of the future until the lifelong medical care of the retired are guaranteed.

So if the economic conditions allow, the combination of the two is the best, because the two can be complementary and enrichment, if you have to choose between the two, my personal opinion is as follows:

1, social security is certainly a certain welfare, especially in the protection of the old after the commercial insurance is not comparable to, for example, none of the insurance companies to provide after 65 years of age of the disease medical expenses protection (major diseases), social security medical can be! For example, no insurance company provides coverage for medical expenses for illnesses after the age of 65 (except for major illnesses)! Pension is also certainly a strong social security pension ah, because the social security future pension standards are based on the future of the average social wage level as a reference, commercial pension insurance is impossible;

2, of course, the current look, their own independent contributions to social security, the cost is not low, if the age of 35 years old, you can be temporarily to commercial insurance to provide some temporary protection, such as medical insurance;

3, and more to say, the insurance company to provide medical expenses after 65 years of age (except for major diseases), the insurance company can not be compared with the commercial insurance. p>3, in addition to one more point, social security independent contributors, they bear all the costs, if unfortunately earlier death, social pension insurance is only the return of the amount of personal account (is not cost-effective), so that with the purchase of a commercial whole life insurance, so that if there are problems, you can get a large amount of commercial life insurance compensation, if the health of the long life, that receive a lot of pension, so that no matter what the circumstances are "Winner".

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